| Metric | Bank of Weston | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +10.1% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 23.0% | 11.9% | +11.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $246.5M | $225.4M | $179.1M | $20.4M | $2.3M | 1.88% | 4.73% | 0.68% |
| Q1 2026 | $240.4M | $220.2M | $176.3M | $19.4M | $1.2M | 1.99% | 4.69% | 0.38% |
| Q4 2025 | $230.2M | $202.0M | $172.8M | $19.1M | $2.6M | 1.15% | 4.44% | 0.69% |
| Q3 2025 | $226.7M | $200.5M | $168.3M | $18.5M | $2.2M | 1.30% | 4.35% | 0.44% |
| Q2 2025 | $223.0M | $204.8M | $169.0M | $17.6M | $1.3M | 1.22% | 4.24% | 0.66% |
| Q1 2025 | $224.1M | $206.5M | $165.3M | $16.9M | $570K | 1.03% | 4.08% | 0.32% |
| Q4 2024 | $216.7M | $186.5M | $162.3M | $16.2M | $1.9M | 0.90% | 3.84% | 0.02% |
| Q3 2024 | $212.8M | $189.4M | $157.2M | $16.5M | $1.6M | 1.03% | 3.80% | 0.02% |
Loan mix (Q2 2026): real estate $163.5M · commercial $14.1M · consumer $726K · securities $46.1M
| Ratio | Bank of Weston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 23.0% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 62.9% | 19th |
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 Weston | 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 Weston | 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 Weston | 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 Weston | 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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