BlastPoint's Banking Scorecard
West View Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 27760
Designations: ✓ Community bank
Pittsburgh, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
West View Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 15.54% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.04% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.7M
+3.1% YoY
+1.6% QoQ
|
+$145.2M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$90.0M
+12.6% YoY
-0.9% QoQ
|
-$49.1M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$180.9M
+51.8% YoY
+23.2% QoQ
|
-$2.7M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.52%
+29.8% YoY
+5.6% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
1.81%
+13.5% YoY
+1.5% QoQ
|
-2.04% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
60.85%
-8.4% YoY
-1.8% QoQ
|
-6.87% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
49.77%
-25.8% YoY
-19.5% QoQ
|
-24.76% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.16%
-36.2% YoY
-29.3% QoQ
|
-10.24% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
24.40%
-27.0% YoY
-9.6% QoQ
|
+15.54% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.10%
-6.0% YoY
+30.1% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.40%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.81%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.40% · Tier avg: 8.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 49.77% · Tier avg: 74.53%
82
82th pctile
Total Assets
Current: $362.7M · Tier avg: $217.5M
65
65th pctile
Efficiency Ratio
Current: 60.85% · Tier avg: 67.73%
55
55th pctile
Total Deposits
Current: $180.9M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $90.0M · Tier avg: $139.2M
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.81% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.81% · Tier avg: 3.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
39
39th pctile
Total Loans
Current: $90.0M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $180.9M · Tier avg: $183.7M
65
65th pctile
Efficiency Ratio
Current: 60.85% · Tier avg: 67.73%
82
82th pctile
Total Assets
Current: $362.7M · Tier avg: $217.5M
87
87th pctile
Loan-to-Deposit Ratio
Current: 49.77% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.40% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%