| Metric | POINTWEST BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.3M | $121.8M | $48.8M | $13.7M | $1.2M | 1.72% | 4.34% | 0.00% |
| Q1 2026 | $137.9M | $122.7M | $49.5M | $13.5M | $590K | 1.72% | 4.30% | 0.00% |
| Q4 2025 | $136.9M | $121.9M | $48.8M | $13.5M | $2.6M | 1.92% | 4.24% | 0.00% |
| Q3 2025 | $134.7M | $119.9M | $47.5M | $12.9M | $1.9M | 1.94% | 4.25% | 0.00% |
| Q2 2025 | $131.3M | $118.3M | $48.1M | $11.3M | $1.3M | 1.91% | 4.20% | 0.00% |
| Q1 2025 | $130.2M | $117.4M | $47.5M | $10.7M | $545K | 1.65% | 4.15% | 0.00% |
| Q4 2024 | $133.5M | $122.2M | $46.9M | $9.1M | $2.1M | 1.55% | 3.95% | 0.00% |
| Q3 2024 | $135.4M | $121.5M | $43.3M | $10.9M | $1.5M | 1.52% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $33.7M · commercial $3.1M · consumer $10.3M · securities $73.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | POINTWEST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 55th |
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 | POINTWEST 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 | POINTWEST 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 | POINTWEST 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 | POINTWEST BANK | 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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