| Metric | Wahoo State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -5.0 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.4 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.8 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.5M | $91.7M | $82.4M | $9.5M | $449K | 0.78% | 3.65% | 0.00% |
| Q1 2026 | $114.0M | $90.1M | $84.0M | $9.3M | $219K | 0.77% | 3.64% | 0.00% |
| Q4 2025 | $113.9M | $87.8M | $86.4M | $9.2M | $821K | 0.71% | 3.46% | 0.00% |
| Q3 2025 | $115.4M | $90.1M | $87.3M | $8.9M | $592K | 0.68% | 3.39% | 0.00% |
| Q2 2025 | $117.2M | $92.1M | $86.1M | $8.6M | $386K | 0.66% | 3.31% | 0.00% |
| Q1 2025 | $117.1M | $91.1M | $84.7M | $8.4M | $191K | 0.65% | 3.24% | 0.00% |
| Q4 2024 | $116.4M | $90.3M | $85.7M | $8.1M | $734K | 0.61% | 3.07% | 0.00% |
| Q3 2024 | $121.1M | $95.7M | $87.2M | $8.3M | $548K | 0.60% | 2.98% | 0.00% |
Loan mix (Q2 2026): real estate $73.9M · commercial $3.1M · consumer $4.1M · securities $13.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wahoo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 62.9% | 82th |
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 | Wahoo State 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 | Wahoo State 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 | Wahoo State 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 | Wahoo State 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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