BlastPoint's Banking Scorecard
Western Alliance Bank
Large
Specialty: Commercial
AZ
FDIC cert 57512
Phoenix, AZ
69
banks in Large tier nationally
2 in AZ
View Large leaderboard (AZ) →
Western Alliance Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.55% above tier
- - Nonperforming Asset Ratio 1.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.7B
+14.7% YoY
+2.1% QoQ
|
+$17.9B |
$74.9B
-4.4% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$61.8B
+10.6% YoY
+2.9% QoQ
|
+$15.4B |
$46.4B
-2.1% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$77.6B
+16.3% YoY
+0.2% QoQ
|
+$17.2B |
$60.5B
-4.5% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.10%
+10.6% YoY
+3.8% QoQ
|
-0.09% |
1.19%
+17.8% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.59%
-1.4% YoY
+0.7% QoQ
|
+0.13% |
3.46%
+13.1% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
60.19%
-6.7% YoY
-1.2% QoQ
|
+5.16% |
55.03%
-2.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.43%
+28.3% YoY
+15.7% QoQ
|
+1.55% |
0.88%
-0.3% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.64%
-4.9% YoY
+2.8% QoQ
|
-2.08% |
81.72%
+3.9% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
31.37%
+10.1% YoY
-8.7% QoQ
|
+11.39% |
19.97%
+0.5% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
1.77%
+28.7% YoY
+15.5% QoQ
|
+1.22% |
0.55%
+9.0% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
12.22%
+0.6% YoY
-4.4% QoQ
|
-1.10% |
13.33%
-0.7% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.68%
+10.8% YoY
+45.1% QoQ
|
-0.40% |
1.09%
+2.4% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Large
Why this stands out
Current:
2.43%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Large
Why this stands out
Current:
1.77%
(Tier avg: 0.55%, National avg: 0.48%)
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
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 31.37% · Tier avg: 19.97%
81
81th pctile
Total Loans
Current: $61.8B · Tier avg: $46.4B
77
77th pctile
Total Assets
Current: $92.7B · Tier avg: $74.9B
77
77th pctile
Total Deposits
Current: $77.6B · Tier avg: $60.5B
66
66th pctile
Loan-to-Deposit Ratio
Current: 79.64% · Tier avg: 81.72%
59
59th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.46%
47
47th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 1.09%
43
43th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
31
31th pctile
Tier 1 Capital Ratio
Current: 12.22% · Tier avg: 13.33%
27
27th pctile
Efficiency Ratio
Current: 60.19% · Tier avg: 55.03%
7
7th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.88%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.55%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.55%
7
7th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.88%
27
27th pctile
Efficiency Ratio
Current: 60.19% · Tier avg: 55.03%
31
31th pctile
Tier 1 Capital Ratio
Current: 12.22% · Tier avg: 13.33%
43
43th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
47
47th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 1.09%
59
59th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.46%
66
66th pctile
Loan-to-Deposit Ratio
Current: 79.64% · Tier avg: 81.72%
77
77th pctile
Total Deposits
Current: $77.6B · Tier avg: $60.5B
77
77th pctile
Total Assets
Current: $92.7B · Tier avg: $74.9B
81
81th pctile
Total Loans
Current: $61.8B · Tier avg: $46.4B
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 31.37% · Tier avg: 19.97%