| Metric | BankWest, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.1 pts |
| Deposit growth (YoY) | +10.7% | +5.1% | +5.6 pts |
| Loan growth (YoY) | +8.2% | +5.9% | +2.3 pts |
| ROA | 0.69% | 1.26% | -0.6 pts |
| ROE | 8.4% | 12.2% | -3.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.93B | $1.65B | $1.39B | $159.9M | $6.6M | 0.69% | 4.01% | 2.17% |
| Q1 2026 | $1.92B | $1.64B | $1.36B | $155.4M | $3.1M | 0.65% | 3.95% | 1.70% |
| Q4 2025 | $1.89B | $1.58B | $1.35B | $155.9M | $11.6M | 0.63% | 3.88% | 1.27% |
| Q3 2025 | $1.87B | $1.57B | $1.32B | $148.8M | $7.0M | 0.51% | 3.77% | 2.49% |
| Q2 2025 | $1.83B | $1.49B | $1.29B | $143.0M | $3.8M | 0.42% | 3.71% | 2.53% |
| Q1 2025 | $1.81B | $1.51B | $1.26B | $141.6M | $1.6M | 0.36% | 3.84% | 0.81% |
| Q4 2024 | $1.81B | $1.51B | $1.22B | $139.4M | $10.6M | 0.61% | 3.88% | 0.89% |
| Q3 2024 | $1.78B | $1.52B | $1.17B | $142.8M | $8.6M | 0.67% | 3.95% | 0.95% |
Loan mix (Q2 2026): real estate $857.5M · commercial $97.4M · consumer $126.3M · securities $378.0M
| Ratio | BankWest, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 59.0% | 93th |
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 | BankWest, Inc. | 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 | BankWest, Inc. | 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 | BankWest, Inc. | 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 | BankWest, Inc. | 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.