| Metric | Builtwell Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +5.5% | +11.8 pts |
| Deposit growth (YoY) | +15.7% | +5.1% | +10.6 pts |
| Loan growth (YoY) | +22.9% | +5.9% | +17.0 pts |
| ROA | 2.07% | 1.26% | +0.8 pts |
| ROE | 18.0% | 12.2% | +5.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.28B | $1.99B | $1.53B | $274.9M | $23.8M | 2.07% | 4.80% | 0.39% |
| Q1 2026 | $2.30B | $2.02B | $1.55B | $263.4M | $11.8M | 2.04% | 4.74% | 0.35% |
| Q4 2025 | $2.30B | $2.03B | $1.54B | $253.3M | $47.8M | 2.07% | 4.91% | 0.34% |
| Q3 2025 | $2.34B | $2.00B | $1.52B | $315.1M | $34.4M | 1.98% | 4.86% | 0.34% |
| Q2 2025 | $1.95B | $1.72B | $1.24B | $208.0M | $19.9M | 2.06% | 4.74% | 0.52% |
| Q1 2025 | $1.93B | $1.72B | $1.24B | $197.6M | $9.7M | 2.02% | 4.68% | 0.42% |
| Q4 2024 | $1.90B | $1.66B | $1.23B | $225.3M | $39.3M | 2.13% | 5.15% | 0.33% |
| Q3 2024 | $1.89B | $1.66B | $1.26B | $217.0M | $29.5M | 2.15% | 5.16% | 0.25% |
Loan mix (Q2 2026): real estate $1.42B · commercial $116.4M · consumer $21.5M · securities $302.8M
| Ratio | Builtwell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.5% | 59.0% | 13th |
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 | Builtwell 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 | Builtwell 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 | Builtwell 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 | Builtwell 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.