BlastPoint's Banking Scorecard
Westbury Bank
Community
Specialty: Commercial
WI
FDIC cert 28400
Waukesha, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Westbury Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 14.25% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 82% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$791.7M
-3.1% YoY
-1.7% QoQ
|
-$599.7M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$543.8M
-10.8% YoY
-0.6% QoQ
|
-$431.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$717.0M
-1.9% YoY
-1.2% QoQ
|
-$447.6M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.94%
-5.0% YoY
-5.5% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.95%
+8.7% YoY
+2.1% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
72.77%
+8.3% YoY
+3.2% QoQ
|
+10.14% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.83%
-9.1% YoY
+0.5% QoQ
|
-7.23% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
35.30%
+6.1% YoY
+9.3% QoQ
|
+14.25% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.61%
-16.8% YoY
-8.8% QoQ
|
+1.37% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.57%
+0.3% YoY
+39.5% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.30%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Cost Spiral
risk
#33 of 40 · Bottom 82% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
72.77%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 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
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%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.30% · Tier avg: 21.05%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.83% · Tier avg: 83.06%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
40
40th pctile
Total Deposits
Current: $717.0M · Tier avg: $1.2B
36
36th pctile
Total Loans
Current: $543.8M · Tier avg: $975.5M
35
35th pctile
Total Assets
Current: $791.7M · Tier avg: $1.4B
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
21
21th pctile
Efficiency Ratio
Current: 72.77% · Tier avg: 62.63%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 72.77% · Tier avg: 62.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
35
35th pctile
Total Assets
Current: $791.7M · Tier avg: $1.4B
36
36th pctile
Total Loans
Current: $543.8M · Tier avg: $975.5M
40
40th pctile
Total Deposits
Current: $717.0M · Tier avg: $1.2B
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.83% · Tier avg: 83.06%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.30% · 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%