| Metric | Sunwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.6% | +5.5% | +13.1 pts |
| Deposit growth (YoY) | +7.7% | +5.1% | +2.7 pts |
| Loan growth (YoY) | +14.8% | +5.9% | +8.9 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 17.4% | 12.2% | +5.2 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.41B | $3.40B | $3.46B | $412.0M | $34.5M | 1.62% | 4.29% | 0.48% |
| Q1 2026 | $4.27B | $3.45B | $3.40B | $396.2M | $17.6M | 1.69% | 4.28% | 0.53% |
| Q4 2025 | $4.09B | $3.18B | $3.28B | $382.3M | $71.9M | 1.93% | 4.80% | 0.47% |
| Q3 2025 | $3.77B | $3.22B | $3.02B | $364.5M | $50.4M | 1.85% | 4.87% | 0.45% |
| Q2 2025 | $3.72B | $3.15B | $3.01B | $346.4M | $29.8M | 1.66% | 4.77% | 0.25% |
| Q1 2025 | $3.57B | $2.98B | $2.86B | $329.4M | $15.1M | 1.71% | 4.77% | 0.40% |
| Q4 2024 | $3.49B | $2.84B | $2.79B | $309.5M | $45.3M | 1.37% | 4.73% | 0.26% |
| Q3 2024 | $3.43B | $2.66B | $2.66B | $303.4M | $30.1M | 1.24% | 4.65% | 0.39% |
Loan mix (Q2 2026): real estate $2.22B · commercial $727.9M · consumer $198.2M · securities $629.1M
| Ratio | Sunwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 59.0% | 59th |
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 | Sunwest 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 | Sunwest Bank | 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 | Sunwest 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 | Sunwest 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 | Sunwest 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.
9 branches in 7 counties across 5 states (+0 vs 2024) · $3.15B branch deposits. Biggest market: Orange, CA, ranked 13th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 3 | $2.42B | 1.41% | 13th |
| Ada, ID | 1 | $206.3M | 0.90% | 21st |
| Salt Lake, UT | 1 | $182.2M | 0.02% | 50th |
| 4 more counties with Pro → | ||||
California: 73rd with 0.12% · Idaho: 36th with 0.47% · Arizona: 59th with 0.08% · Utah: 66th with 0.02% · Florida: 251st with 0.01% · Los Angeles-Long Beach-Anaheim metro: 31st, 0.34% · Boise City metro: 21st, 1.07% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9