BlastPoint's Banking Scorecard
Western State Bank
Community
Specialty: Commercial
ND
FDIC cert 9123
Devils Lake, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Western State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.46% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34% in Community
- - Liquidity Strain: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+9.1% YoY
+6.6% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.2B
+4.8% YoY
+0.6% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.2B
+7.9% YoY
+8.2% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.79%
+9.9% YoY
-0.5% QoQ
|
+0.62% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
5.13%
+9.4% YoY
-0.1% QoQ
|
+1.46% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
46.90%
-4.8% YoY
+2.6% QoQ
|
-15.74% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.52%
+26.3% YoY
+15.4% QoQ
|
+0.90% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
98.84%
-2.8% YoY
-6.9% QoQ
|
+15.78% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.61%
+148.5% YoY
+10.2% QoQ
|
-1.43% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.29%
+21.3% YoY
+8.9% QoQ
|
+0.79% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
13.70%
+10.1% YoY
+3.2% QoQ
|
+3.45% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.39%
-23.8% YoY
+24.7% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.13%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Credit Risk Growth
risk
#221 of 642 · Bottom 34% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#224 of 513 · Bottom 44% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.84%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.66%
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
89
89th pctile
Efficiency Ratio
Current: 46.90% · Tier avg: 62.63%
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.61% · Tier avg: 21.05%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.84% · Tier avg: 83.06%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.84% · Tier avg: 83.06%
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.61% · Tier avg: 21.05%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Efficiency Ratio
Current: 46.90% · Tier avg: 62.63%
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
95
95th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.66%