| Metric | FinWise Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.9% | +5.0 pts |
| Deposit growth (YoY) | +9.0% | +4.3% | +4.6 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.2 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 8.1% | 12.4% | -4.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $915.5M | $723.0M | $689.7M | $164.1M | $6.5M | 1.42% | 13.58% | 4.12% |
| Q1 2026 | $889.8M | $708.1M | $673.1M | $161.1M | $3.6M | 1.54% | 13.26% | 5.59% |
| Q4 2025 | $967.5M | $780.2M | $697.8M | $157.6M | $17.5M | 2.07% | 9.21% | 4.46% |
| Q3 2025 | $898.8M | $719.2M | $690.3M | $153.3M | $13.2M | 2.16% | 8.39% | 4.72% |
| Q2 2025 | $833.1M | $663.5M | $653.8M | $148.0M | $7.9M | 2.02% | 7.90% | 4.71% |
| Q1 2025 | $795.7M | $632.3M | $591.2M | $143.5M | $3.5M | 1.82% | 8.01% | 3.71% |
| Q4 2024 | $732.8M | $571.4M | $539.4M | $140.2M | $18.0M | 2.81% | 9.93% | 4.89% |
| Q3 2024 | $671.5M | $518.8M | $502.1M | $136.4M | $14.0M | 3.03% | 10.13% | 4.46% |
Loan mix (Q2 2026): real estate $303.9M · commercial $58.9M · consumer $302.8M · securities $36.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FinWise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 13.58% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 61.2% | 36th |
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 | FinWise 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 | FinWise 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 | FinWise 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 | FinWise 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.