BlastPoint's Banking Scorecard
The Bank of the West
Designations: ✓ Community bank
Thomas, OK
The Bank of the West has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.30% above tier
- + Net Interest Margin 1.25% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.56% above tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.8M
+2.0% YoY
-2.7% QoQ
|
-$42.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$153.4M
+5.5% YoY
+6.2% QoQ
|
+$14.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$151.7M
+4.1% YoY
-3.0% QoQ
|
-$31.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.39%
-1.3% YoY
-1.3% QoQ
|
+1.30% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.10%
-8.0% YoY
-0.5% QoQ
|
+1.25% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
53.10%
+6.8% YoY
+1.1% QoQ
|
-14.62% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
1.96%
+154.6% YoY
-23.6% QoQ
|
+1.32% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
101.09%
+1.3% YoY
+9.5% QoQ
|
+26.56% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.22%
+10.9% YoY
+1.1% QoQ
|
+0.83% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.72%
+163.5% YoY
-16.5% QoQ
|
+1.26% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
12.68%
-0.7% YoY
-2.5% QoQ
|
+3.83% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.26%
+42.0% YoY
+41.2% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (2)
Return on Assets
metricReturn on Assets is in the top decile of tier peers. Profitability per dollar of assets is materially outpacing similarly-sized banks - the engine of compounding book value.
Net Interest Margin
metricNet Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Concerns (2)
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
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%