| Metric | Bankwell Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +9.5% | +5.1% | +4.4 pts |
| Loan growth (YoY) | +11.0% | +5.9% | +5.1 pts |
| ROA | 1.61% | 1.26% | +0.3 pts |
| ROE | 15.5% | 12.2% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.47B | $3.04B | $2.92B | $355.3M | $27.3M | 1.61% | 3.58% | 0.46% |
| Q1 2026 | $3.36B | $2.91B | $2.83B | $351.0M | $13.0M | 1.54% | 3.46% | 0.57% |
| Q4 2025 | $3.35B | $2.85B | $2.80B | $348.3M | $41.2M | 1.27% | 3.30% | 0.49% |
| Q3 2025 | $3.24B | $2.77B | $2.68B | $347.4M | $30.6M | 1.27% | 3.23% | 0.56% |
| Q2 2025 | $3.23B | $2.77B | $2.64B | $338.3M | $18.9M | 1.17% | 3.10% | 0.78% |
| Q1 2025 | $3.18B | $2.76B | $2.61B | $330.8M | $8.2M | 1.02% | 2.98% | 0.83% |
| Q4 2024 | $3.26B | $2.80B | $2.67B | $327.1M | $17.2M | 0.54% | 2.85% | 1.89% |
| Q3 2024 | $3.16B | $2.70B | $2.59B | $324.8M | $12.5M | 0.53% | 2.90% | 2.08% |
Loan mix (Q2 2026): real estate $2.17B · commercial $715.4M · consumer $38K · securities $205.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bankwell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 59.0% | 11th |
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 | Bankwell Bank | 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 | Bankwell Bank | 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 | Bankwell Bank | 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 | Bankwell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.