| Metric | Bank of Washington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.5% | -4.0 pts |
| Deposit growth (YoY) | -1.6% | +5.1% | -6.6 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.8 pts |
| ROA | 0.86% | 1.26% | -0.4 pts |
| ROE | 7.1% | 12.2% | -5.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.15B | $887.8M | $1.01B | $142.5M | $5.0M | 0.86% | 4.62% | 4.14% |
| Q1 2026 | $1.18B | $895.9M | $1.03B | $140.1M | $632K | 0.22% | 4.58% | 4.31% |
| Q4 2025 | $1.17B | $902.0M | $1.03B | $141.6M | $12.8M | 1.11% | 4.85% | 2.54% |
| Q3 2025 | $1.12B | $913.2M | $989.9M | $137.1M | $7.0M | 0.81% | 4.74% | 3.20% |
| Q2 2025 | $1.13B | $901.8M | $988.2M | $135.3M | $2.6M | 0.45% | 4.68% | 3.33% |
| Q1 2025 | $1.18B | $896.4M | $1.03B | $138.7M | $4.0M | 1.37% | 4.55% | 3.14% |
| Q4 2024 | $1.17B | $906.2M | $1.02B | $136.4M | $16.7M | 1.51% | 4.96% | 3.21% |
| Q3 2024 | $1.11B | $844.9M | $970.2M | $137.0M | $15.7M | 1.92% | 4.99% | 2.87% |
Loan mix (Q2 2026): real estate $690.2M · commercial $326.4M · consumer $3.9M · securities $17.9M
| Ratio | Bank of Washington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 59.0% | 67th |
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 Washington | 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 Washington | 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 Washington | 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 Washington | 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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