| Metric | Jonah Bank of Wyoming | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +7.1% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +11.4% | +5.3% | +6.0 pts |
| ROA | 2.05% | 1.28% | +0.8 pts |
| ROE | 22.7% | 12.4% | +10.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.8M | $508.0M | $388.5M | $50.8M | $5.8M | 2.05% | 4.96% | 0.00% |
| Q1 2026 | $568.5M | $511.5M | $385.3M | $52.2M | $2.8M | 1.96% | 4.89% | 0.00% |
| Q4 2025 | $558.2M | $504.7M | $365.5M | $49.6M | $10.4M | 1.92% | 4.74% | 0.10% |
| Q3 2025 | $560.8M | $503.6M | $351.3M | $52.6M | $7.5M | 1.87% | 4.66% | 0.10% |
| Q2 2025 | $527.6M | $474.5M | $348.9M | $48.4M | $4.9M | 1.83% | 4.68% | 0.08% |
| Q1 2025 | $528.9M | $475.3M | $342.5M | $48.5M | $2.2M | 1.67% | 4.53% | 0.08% |
| Q4 2024 | $531.6M | $482.0M | $342.5M | $45.2M | $8.3M | 1.60% | 4.41% | 0.08% |
| Q3 2024 | $528.1M | $473.6M | $338.6M | $49.3M | $6.1M | 1.57% | 4.33% | 0.08% |
Loan mix (Q2 2026): real estate $306.5M · commercial $79.0M · consumer $2.4M · securities $61.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Jonah Bank of Wyoming | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 22.7% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 61.2% | 21th |
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 | Jonah Bank of Wyoming | 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 | Jonah Bank of Wyoming | 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 | Jonah Bank of Wyoming | 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 | Jonah Bank of Wyoming | 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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