| Metric | Waterfall Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.1% | +4.4% | +12.7 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +31.1% | +5.6% | +25.5 pts |
| ROA | -0.03% | 1.24% | -1.3 pts |
| ROE | -0.3% | 11.9% | -12.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $409.9M | $330.3M | $376.9M | $52.8M | $-70K | -0.03% | 3.38% | 0.02% |
| Q1 2026 | $421.9M | $343.1M | $378.0M | $52.8M | $-110K | -0.11% | 3.24% | 0.16% |
| Q4 2025 | $408.9M | $303.2M | $351.3M | $52.9M | $632K | 0.18% | 3.24% | 0.00% |
| Q3 2025 | $387.2M | $316.4M | $328.4M | $52.6M | $386K | 0.15% | 3.17% | 0.00% |
| Q2 2025 | $350.1M | $305.8M | $287.5M | $42.3M | $230K | 0.15% | 3.15% | 0.00% |
| Q1 2025 | $314.9M | $271.2M | $260.0M | $41.8M | $-87K | -0.12% | 3.00% | 0.00% |
| Q4 2024 | $284.4M | $240.8M | $251.5M | $41.7M | $614K | 0.26% | 3.44% | 0.00% |
| Q3 2024 | $265.0M | $221.4M | $229.5M | $41.8M | $338K | 0.20% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $317.2M · commercial $62.6M · consumer $325K · securities $9.5M
| Ratio | Waterfall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 62.9% | 97th |
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 | Waterfall 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 | Waterfall 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 | Waterfall 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 | Waterfall 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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