BlastPoint's Banking Scorecard
WebBank
Community
Specialty: Commercial
UT
FDIC cert 34404
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
WebBank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2% in Community
- + Revenue Diversifier: Top 4% in Community
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 38% in Community
- - Non-Interest-Bearing Deposit Share 16.31% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+39.2% YoY
+23.2% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.1B
+18.2% YoY
+5.4% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.4B
+44.2% YoY
+28.3% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
4.46%
+19.0% YoY
-1.4% QoQ
|
+3.29% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
16.46%
+18.5% YoY
-3.3% QoQ
|
+12.80% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
65.33%
+1.0% YoY
-1.2% QoQ
|
+2.70% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.40%
-79.7% YoY
-45.2% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
88.97%
-18.0% YoY
-17.9% QoQ
|
+5.90% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
4.73%
+24.4% YoY
-9.0% QoQ
|
-16.31% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-82.8% YoY
-53.1% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
16.68%
-4.1% YoY
-11.5% QoQ
|
+6.44% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
3.13%
-5.7% YoY
+15.5% QoQ
|
+2.39% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#10 of 371 · Top 2% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
4.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#15 of 371 · Top 4% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.13%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
4.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (2)
Liquidity Overhang
risk
#102 of 268 · Bottom 38% in Community
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:
16.68%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.97%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.73%
(Tier avg: 21.05%, 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
100
100th pctile
Return on Assets
Current: 4.46% · Tier avg: 1.16%
98
98th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 0.74%
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
85
85th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 10.24%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
53
53th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
40
40th pctile
Efficiency Ratio
Current: 65.33% · Tier avg: 62.63%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.97% · Tier avg: 83.06%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.73% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.73% · Tier avg: 21.05%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.97% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.33% · Tier avg: 62.63%
53
53th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 10.24%
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
98
98th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 0.74%
100
100th pctile
Return on Assets
Current: 4.46% · Tier avg: 1.16%