| Metric | Bank of the West | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.9% | +4.0 pts |
| Deposit growth (YoY) | +8.8% | +4.3% | +4.4 pts |
| Loan growth (YoY) | -2.1% | +5.3% | -7.5 pts |
| ROA | 1.60% | 1.28% | +0.3 pts |
| ROE | 17.3% | 12.4% | +4.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $829.8M | $747.1M | $498.0M | $77.1M | $6.6M | 1.60% | 4.29% | 0.00% |
| Q1 2026 | $803.8M | $720.7M | $492.4M | $76.2M | $3.2M | 1.58% | 4.27% | 0.08% |
| Q4 2025 | $829.9M | $748.1M | $503.4M | $75.0M | $13.6M | 1.70% | 4.47% | 0.00% |
| Q3 2025 | $809.5M | $731.1M | $512.1M | $73.4M | $10.6M | 1.78% | 4.47% | 0.15% |
| Q2 2025 | $761.8M | $686.9M | $508.7M | $70.1M | $6.8M | 1.72% | 4.45% | 0.30% |
| Q1 2025 | $794.0M | $719.1M | $491.5M | $69.0M | $3.1M | 1.54% | 4.31% | 0.47% |
| Q4 2024 | $802.9M | $729.5M | $479.6M | $67.4M | $12.7M | 1.59% | 4.20% | 0.34% |
| Q3 2024 | $798.7M | $726.6M | $464.1M | $67.7M | $9.6M | 1.60% | 4.11% | 0.44% |
Loan mix (Q2 2026): real estate $444.0M · commercial $38.5M · consumer $2.6M · securities $80.9M
| Ratio | Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 61.2% | 52th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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