BlastPoint's Banking Scorecard
Wells Fargo National Bank West
Mid-Market
Specialty: Mortgage
NV
FDIC cert 27389
Las Vegas, NV
201
banks in Mid-Market tier nationally
3 in NV
View Mid-Market leaderboard (NV) →
Wells Fargo National Bank West has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.45% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12% in Mid-Market
- - Liquidity Overhang: Bottom 24% in Mid-Market
- - Net Interest Margin 1.82% below tier
- - Non-Interest-Bearing Deposit Share 20.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.0B
-13.9% YoY
-3.1% QoQ
|
-$1.5B |
$10.5B
+2.9% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$5.0B
-10.8% YoY
-2.8% QoQ
|
-$2.1B |
$7.1B
+4.5% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$7.3B
-17.2% YoY
-4.1% QoQ
|
-$1.3B |
$8.5B
+3.0% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.87%
+8.7% YoY
+1.9% QoQ
|
-0.29% |
1.16%
+9.4% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
1.58%
+8.6% YoY
+0.2% QoQ
|
-1.82% |
3.40%
+7.9% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
27.16%
-8.2% YoY
-3.1% QoQ
|
-29.45% |
56.60%
-3.2% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.82%
-2.3% YoY
-9.9% QoQ
|
+0.14% |
0.68%
+12.0% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
69.43%
+7.8% YoY
+1.3% QoQ
|
-16.04% |
85.47%
+1.1% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -20.64% |
20.64%
-0.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.46%
+1.2% YoY
-9.6% QoQ
|
-0.04% |
0.50%
+7.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
57.38%
+26.3% YoY
+5.8% QoQ
|
+43.83% |
13.55%
+1.8% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
-0.04%
+51.9% YoY
-24.1% QoQ
|
-1.00% |
0.96%
+7.1% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Mid-Market
Why this stands out
Current:
27.16%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (4)
Deposit Outflow
decline
#5 of 33 · Bottom 12% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#7 of 26 · Bottom 24% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
57.38%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
69.43%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
1.58%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 20.64%, National avg: 21.79%)
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
Efficiency Ratio
Current: 27.16% · Tier avg: 56.60%
56
56th pctile
Total Assets
Current: $9.0B · Tier avg: $10.5B
56
56th pctile
Total Deposits
Current: $7.3B · Tier avg: $8.5B
45
45th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
39
39th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
33
33th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.68%
26
26th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
14
14th pctile
Loan-to-Deposit Ratio
Current: 69.43% · Tier avg: 85.47%
6
6th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.40%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
6
6th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.40%
14
14th pctile
Loan-to-Deposit Ratio
Current: 69.43% · Tier avg: 85.47%
26
26th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
33
33th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.68%
39
39th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
45
45th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
56
56th pctile
Total Deposits
Current: $7.3B · Tier avg: $8.5B
56
56th pctile
Total Assets
Current: $9.0B · Tier avg: $10.5B
97
97th pctile
Efficiency Ratio
Current: 27.16% · Tier avg: 56.60%