BlastPoint's Banking Scorecard
West Texas National Bank
Community
Specialty: Commercial
TX
FDIC cert 22957
Midland, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
West Texas National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.02% below tier
- + Loan-to-Deposit Ratio 22.43% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 52% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+1.6% YoY
+2.3% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$1.5B
+8.1% YoY
-0.4% QoQ
|
+$540.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$2.5B
+0.2% YoY
+2.3% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.83%
-10.6% YoY
+5.5% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.93%
-5.4% YoY
+1.3% QoQ
|
+0.26% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
41.62%
+0.7% YoY
+1.0% QoQ
|
-21.02% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
1.26%
-22.1% YoY
-5.3% QoQ
|
+0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
60.63%
+7.9% YoY
-2.6% QoQ
|
-22.43% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.58%
+2.4% YoY
+2.3% QoQ
|
+11.53% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.86%
-1.6% YoY
-5.7% QoQ
|
+0.36% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.29%
+3.6% YoY
+2.6% QoQ
|
+5.04% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.22%
-5.6% YoY
+33.1% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.62%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.63%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Margin Compression
decline
#63 of 120 · Bottom 52% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
94
94th pctile
Efficiency Ratio
Current: 41.62% · Tier avg: 62.63%
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.63% · Tier avg: 83.06%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.58% · Tier avg: 21.05%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
78
78th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 10.24%
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 10.24%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.58% · Tier avg: 21.05%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.63% · Tier avg: 83.06%
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
94
94th pctile
Efficiency Ratio
Current: 41.62% · Tier avg: 62.63%