No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $547.9M | $486.3M | $424.7M | $49.2M | $4.1M | 1.54% | 4.16% | 0.21% |
| Q1 2026 | $531.5M | $472.9M | $413.7M | $46.6M | $1.6M | 1.25% | 4.05% | 0.29% |
| Q4 2025 | $508.2M | $450.0M | $409.3M | $46.9M | $6.8M | 1.37% | 4.24% | 0.19% |
| Q3 2025 | $516.7M | $442.8M | $408.3M | $46.3M | $5.1M | 1.38% | 4.15% | 0.35% |
| Q2 2025 | $509.3M | $439.4M | $402.0M | $44.1M | $3.3M | 1.34% | 4.12% | 0.23% |
| Q1 2025 | $484.0M | $430.5M | $371.6M | $41.6M | $986K | 0.83% | 3.97% | 0.20% |
| Q4 2024 | $467.8M | $414.2M | $365.7M | $41.8M | $5.9M | 1.28% | 3.99% | 0.29% |
| Q3 2024 | $471.2M | $405.6M | $356.2M | $41.7M | $4.4M | 1.28% | 3.92% | 0.27% |
Loan mix (Q2 2026): real estate $311.9M · commercial $45.2M · consumer $8.4M · securities $30.0M
| Ratio | CHARTER WEST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 61.2% | 87th |
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 | CHARTER WEST 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 | CHARTER WEST 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 | CHARTER WEST 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 | CHARTER WEST 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.