| Metric | Goldwater Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +4.9% | +16.0 pts |
| Deposit growth (YoY) | +23.4% | +4.3% | +19.1 pts |
| Loan growth (YoY) | +11.1% | +5.3% | +5.7 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 5.7% | 12.4% | -6.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $551.9M | $408.3M | $452.2M | $59.6M | $1.7M | 0.63% | 3.44% | 3.43% |
| Q1 2026 | $525.1M | $384.8M | $424.1M | $58.4M | $328K | 0.25% | 3.50% | 3.53% |
| Q4 2025 | $515.3M | $368.4M | $419.2M | $58.0M | $4.0M | 0.85% | 3.87% | 2.94% |
| Q3 2025 | $474.3M | $348.3M | $420.5M | $58.5M | $3.3M | 0.97% | 3.92% | 3.08% |
| Q2 2025 | $456.5M | $330.9M | $407.0M | $57.9M | $2.7M | 1.18% | 3.94% | 2.46% |
| Q1 2025 | $467.7M | $342.6M | $388.0M | $57.2M | $1.6M | 1.38% | 3.73% | 1.61% |
| Q4 2024 | $444.5M | $307.7M | $396.5M | $55.7M | $3.4M | 0.78% | 3.88% | 1.97% |
| Q3 2024 | $460.0M | $336.7M | $389.5M | $55.3M | $2.7M | 0.80% | 3.85% | 2.93% |
Loan mix (Q2 2026): real estate $440.5M · commercial $17.5M · consumer $21K · securities $62.9M
| Ratio | Goldwater Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 61.2% | 88th |
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 | Goldwater Bank, N.A. | 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 | Goldwater Bank, N.A. | 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 | Goldwater Bank, N.A. | 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 | Goldwater Bank, N.A. | 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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