| Metric | Bank of Wiggins | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +3.0 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 5.9% | 11.9% | -6.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.1M | $204.5M | $91.5M | $21.9M | $642K | 0.56% | 2.88% | 0.72% |
| Q1 2026 | $233.6M | $210.3M | $90.0M | $21.9M | $347K | 0.60% | 2.77% | 0.76% |
| Q4 2025 | $229.9M | $206.6M | $87.1M | $21.9M | $-199K | -0.09% | 2.90% | 0.74% |
| Q3 2025 | $225.8M | $200.7M | $91.8M | $23.4M | $1.1M | 0.69% | 2.91% | 0.81% |
| Q2 2025 | $214.6M | $191.3M | $91.8M | $21.7M | $623K | 0.60% | 2.91% | 0.37% |
| Q1 2025 | $212.6M | $190.4M | $92.1M | $20.8M | $339K | 0.66% | 2.80% | 0.16% |
| Q4 2024 | $198.5M | $177.8M | $92.7M | $19.0M | $1.0M | 0.52% | 2.86% | 0.29% |
| Q3 2024 | $203.2M | $179.3M | $93.4M | $22.0M | $757K | 0.52% | 2.85% | 0.41% |
Loan mix (Q2 2026): real estate $68.5M · commercial $14.1M · consumer $8.8M · securities $86.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Wiggins | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 62.9% | 85th |
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 Wiggins | 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 Wiggins | 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 Wiggins | 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 Wiggins | 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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