| Metric | BANKWEST | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $239.9M | $217.5M | $135.2M | $19.7M | $1.6M | 1.32% | 4.25% | 0.25% |
| Q1 2026 | $238.4M | $216.9M | $134.1M | $19.0M | $707K | 1.16% | 4.17% | 0.21% |
| Q4 2025 | $247.8M | $225.9M | $133.6M | $19.1M | $3.0M | 1.25% | 3.79% | 0.20% |
| Q3 2025 | $244.4M | $223.8M | $128.9M | $17.9M | $2.4M | 1.30% | 3.70% | 0.21% |
| Q2 2025 | $243.9M | $225.0M | $125.9M | $15.7M | $1.5M | 1.23% | 3.59% | 0.21% |
| Q1 2025 | $243.3M | $225.9M | $122.0M | $15.3M | $546K | 0.90% | 3.42% | 0.32% |
| Q4 2024 | $242.2M | $225.9M | $123.1M | $14.1M | $2.3M | 0.95% | 3.32% | 0.41% |
| Q3 2024 | $241.7M | $224.2M | $120.6M | $15.3M | $1.6M | 0.88% | 3.29% | 0.46% |
Loan mix (Q2 2026): real estate $105.1M · commercial $25.4M · consumer $2.2M · securities $82.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BANKWEST | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 56th |
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 | 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 | 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 | 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 | 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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