| Metric | The Bank of the West | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.5 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 18.4% | 11.9% | +6.6 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 | $192.4M | $171.2M | $132.6M | $19.8M | $1.9M | 2.05% | 4.69% | 1.56% |
| Q1 2026 | $184.5M | $163.5M | $143.6M | $19.7M | $981K | 2.18% | 4.84% | 1.63% |
| Q4 2025 | $174.8M | $151.7M | $153.4M | $21.9M | $4.2M | 2.39% | 5.10% | 1.72% |
| Q3 2025 | $179.8M | $156.5M | $144.4M | $21.9M | $3.2M | 2.42% | 5.12% | 2.06% |
| Q2 2025 | $177.7M | $154.6M | $131.1M | $21.7M | $2.1M | 2.40% | 5.11% | 0.40% |
| Q1 2025 | $174.1M | $151.1M | $138.5M | $21.7M | $1.1M | 2.48% | 5.11% | 0.41% |
| Q4 2024 | $171.4M | $145.7M | $145.3M | $21.5M | $4.1M | 2.42% | 5.54% | 0.65% |
| Q3 2024 | $169.3M | $146.4M | $145.2M | $21.5M | $3.5M | 2.77% | 5.61% | 0.45% |
Loan mix (Q2 2026): real estate $88.2M · commercial $15.8M · consumer $426K · securities $0
| Ratio | The Bank of the West | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 30th |
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 | The Bank of the West | 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 | The Bank of the West | 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 | The Bank of the West | 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 | The Bank of the West | 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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