| Metric | TrailWest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.5% | +4.9 pts |
| Deposit growth (YoY) | +11.5% | +5.1% | +6.5 pts |
| Loan growth (YoY) | +10.7% | +5.9% | +4.8 pts |
| ROA | 1.76% | 1.26% | +0.5 pts |
| ROE | 20.6% | 12.2% | +8.5 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $860.2M | $883.3M | $93.9M | $9.5M | 1.76% | 4.11% | 1.47% |
| Q1 2026 | $1.09B | $845.6M | $887.7M | $94.0M | $4.6M | 1.73% | 4.12% | 1.50% |
| Q4 2025 | $1.05B | $812.2M | $863.9M | $89.3M | $19.2M | 1.88% | 4.02% | 0.12% |
| Q3 2025 | $1.03B | $792.2M | $844.5M | $86.7M | $13.6M | 1.78% | 3.90% | 0.21% |
| Q2 2025 | $1.00B | $771.2M | $798.2M | $84.3M | $8.4M | 1.64% | 3.77% | 0.06% |
| Q1 2025 | $1.02B | $794.2M | $762.3M | $83.2M | $4.2M | 1.66% | 3.75% | 0.06% |
| Q4 2024 | $1.02B | $792.9M | $748.9M | $82.8M | $15.3M | 1.63% | 3.78% | 0.02% |
| Q3 2024 | $926.9M | $699.8M | $755.8M | $80.4M | $11.7M | 1.71% | 3.74% | 0.14% |
Loan mix (Q2 2026): real estate $785.3M · commercial $71.3M · consumer $14.5M · securities $48.2M
| Ratio | TrailWest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 59.0% | 28th |
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 | TrailWest 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 | TrailWest 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 | TrailWest 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 | TrailWest 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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