| Metric | Bridgewater Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.5% | -3.8 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.1 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.38B | $4.36B | $4.36B | $631.1M | $34.8M | 1.30% | 3.09% | 0.40% |
| Q1 2026 | $5.32B | $4.33B | $4.30B | $609.0M | $19.1M | 1.42% | 3.02% | 0.22% |
| Q4 2025 | $5.40B | $4.34B | $4.24B | $595.0M | $52.0M | 0.99% | 2.79% | 0.41% |
| Q3 2025 | $5.35B | $4.32B | $4.15B | $572.8M | $37.0M | 0.95% | 2.73% | 0.19% |
| Q2 2025 | $5.29B | $4.28B | $4.08B | $549.7M | $23.6M | 0.92% | 2.67% | 0.20% |
| Q1 2025 | $5.13B | $4.18B | $3.96B | $538.7M | $10.8M | 0.85% | 2.60% | 0.20% |
| Q4 2024 | $5.06B | $4.11B | $3.81B | $524.9M | $37.7M | 0.79% | 2.37% | 0.01% |
| Q3 2024 | $4.68B | $3.77B | $3.63B | $516.5M | $28.3M | 0.81% | 2.37% | 0.19% |
Loan mix (Q2 2026): real estate $3.66B · commercial $576.8M · consumer $24.5M · securities $605.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bridgewater Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 59.0% | 26th |
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 | Bridgewater 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 | Bridgewater 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 | Bridgewater 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 | Bridgewater Bank | 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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