| Metric | FWBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.6 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $206.7M | $176.1M | $133.8M | $26.5M | $639K | 0.64% | 5.10% | 0.08% |
| Q1 2026 | $202.3M | $172.4M | $125.2M | $26.5M | $330K | 0.67% | 5.03% | 0.01% |
| Q4 2025 | $191.7M | $162.8M | $129.3M | $26.4M | $4.2M | 2.27% | 5.03% | 0.52% |
| Q3 2025 | $191.0M | $159.3M | $132.3M | $24.1M | $2.0M | 1.46% | 5.00% | 0.98% |
| Q2 2025 | $194.2M | $169.4M | $130.0M | $22.8M | $1.0M | 1.12% | 4.98% | 0.96% |
| Q1 2025 | $181.6M | $158.0M | $126.4M | $21.7M | $171K | 0.39% | 4.96% | 1.03% |
| Q4 2024 | $171.8M | $148.8M | $124.8M | $21.0M | $1.3M | 0.81% | 5.42% | 1.12% |
| Q3 2024 | $169.9M | $146.2M | $123.8M | $21.3M | $952K | 0.84% | 5.40% | 1.18% |
Loan mix (Q2 2026): real estate $80.9M · commercial $56.7M · consumer $0 · securities $35.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FWBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 62.9% | 86th |
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 | FWBank | 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 | FWBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | FWBank | 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 | FWBank | 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 | FWBank | 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $169.4M branch deposits. Biggest market: Cook, IL, ranked 81st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $169.4M | 0.04% | 81st |
Illinois: 279th with 0.02% · Chicago-Naperville-Elgin metro: 129th, 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1