BlastPoint's Banking Scorecard
Bank of the West
Community
Specialty: Commercial
TX
FDIC cert 26627
Grapevine, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Bank of the West demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 42% in Community
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$829.9M
+3.4% YoY
+2.5% QoQ
|
-$561.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$503.4M
+5.0% YoY
-1.7% QoQ
|
-$472.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$748.1M
+2.6% YoY
+2.3% QoQ
|
-$416.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.70%
+7.1% YoY
-4.4% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.47%
+6.3% YoY
-0.0% QoQ
|
+0.80% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
61.15%
-3.4% YoY
+3.2% QoQ
|
-1.48% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
67.29%
+2.4% YoY
-3.9% QoQ
|
-15.77% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
37.79%
-3.9% YoY
-4.2% QoQ
|
+16.74% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.12%
+3.5% YoY
+3.9% QoQ
|
+4.88% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.33%
-7.7% YoY
+28.2% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#63 of 150 · Top 42% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
37.79%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.47%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.79% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.29% · Tier avg: 83.06%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.12% · Tier avg: 10.24%
53
53th pctile
Efficiency Ratio
Current: 61.15% · Tier avg: 62.63%
42
42th pctile
Total Deposits
Current: $748.1M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $829.9M · Tier avg: $1.4B
32
32th pctile
Total Loans
Current: $503.4M · Tier avg: $975.5M
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
32
32th pctile
Total Loans
Current: $503.4M · Tier avg: $975.5M
37
37th pctile
Total Assets
Current: $829.9M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $748.1M · Tier avg: $1.2B
53
53th pctile
Efficiency Ratio
Current: 61.15% · Tier avg: 62.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.12% · Tier avg: 10.24%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.29% · Tier avg: 83.06%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.79% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%