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West Bank
West Des Moines, IA·FDIC Cert #15614·Charter: STATE·Est. 18930101.0·HC: WEST BCORP INC
Total Assets
$4.1B
Q4 2025
Return on Assets
0.94%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.46%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%-0.03
ROE
10.84%-0.42
Efficiency
50.46%-1.25
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.51%-4.40
Charge-offs
-0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.7 | 0.9 | 0.9 | 1.0 | 0.9 |
| ROE | 8.7 | 8.3 | 8.4 | 8.8 | 10.8 | 10.9 | 11.3 | 10.8 |
| Efficiency | 56.3 | 58.8 | 58.5 | 57.9 | 52.2 | 52.3 | 51.7 | 50.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 96.1 | 93.2 | 91.1 | 88.5 | 89.7 | 86.4 | 89.9 | 85.5 |
Balance Sheet
Total Assets$4.1B
Total Deposits$3.5B
Total Loans$3.0B
Total Equity$366.2M
Profitability
ROA0.94%
ROE10.84%
Efficiency Ratio50.46%
Net Income$37.8M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate-0.00%
Loan/Deposit85.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans