BlastPoint's Banking Scorecard
Western Bank
Micro
Specialty: Agricultural
NM
FDIC cert 2249
Designations: ✓ Community bank
Lordsburg, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Western Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.96% above tier
- + Non-Interest-Bearing Deposit Share 24.46% above tier
- + Tier 1 Capital Ratio 23.61% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 48.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.5M
+9.9% YoY
+1.7% QoQ
|
+$104.0M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$72.6M
-0.9% YoY
+4.8% QoQ
|
-$66.5M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$282.2M
+11.2% YoY
+1.7% QoQ
|
+$98.5M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
2.04%
+5.3% YoY
+3.1% QoQ
|
+0.96% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.86%
+1.0% YoY
+0.8% QoQ
|
0 |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
52.56%
-4.8% YoY
-2.1% QoQ
|
-15.17% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.77%
-52.7% YoY
-28.4% QoQ
|
+0.13% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
25.74%
-10.9% YoY
+3.1% QoQ
|
-48.78% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.86%
-1.5% YoY
+0.2% QoQ
|
+24.46% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-41.8% YoY
-21.0% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
32.46%
-10.7% YoY
-1.4% QoQ
|
+23.61% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.66%
-7.7% YoY
+38.6% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.86%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.46%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
25.74%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 32.46% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.86% · Tier avg: 22.39%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 52.56% · Tier avg: 67.73%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
78
78th pctile
Total Deposits
Current: $282.2M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
30
30th pctile
Total Loans
Current: $72.6M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.74% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.74% · Tier avg: 74.53%
30
30th pctile
Total Loans
Current: $72.6M · Tier avg: $139.2M
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $282.2M · Tier avg: $183.7M
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
85
85th pctile
Efficiency Ratio
Current: 52.56% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.86% · Tier avg: 22.39%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.46% · Tier avg: 8.85%