| Metric | Waypoint Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +10.8% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 16.5% | 11.9% | +4.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $391.5M | $324.6M | $273.8M | $44.3M | $3.6M | 1.77% | 4.12% | 0.42% |
| Q1 2026 | $405.2M | $333.4M | $273.7M | $42.8M | $1.7M | 1.66% | 4.00% | 0.42% |
| Q4 2025 | $411.3M | $340.5M | $276.0M | $42.8M | $6.2M | 1.61% | 3.85% | 0.43% |
| Q3 2025 | $384.7M | $294.1M | $262.0M | $41.4M | $4.5M | 1.61% | 3.78% | 0.51% |
| Q2 2025 | $380.3M | $293.0M | $258.9M | $39.9M | $3.0M | 1.59% | 3.71% | 0.55% |
| Q1 2025 | $373.1M | $296.5M | $249.3M | $38.1M | $1.4M | 1.48% | 3.60% | 0.55% |
| Q4 2024 | $367.4M | $297.6M | $236.9M | $36.6M | $4.5M | 1.19% | 3.17% | 0.58% |
| Q3 2024 | $379.3M | $295.0M | $243.7M | $37.3M | $3.3M | 1.16% | 3.11% | 0.58% |
Loan mix (Q2 2026): real estate $207.5M · commercial $24.5M · consumer $5.0M · securities $81.6M
| Ratio | Waypoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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 | Waypoint 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 | Waypoint 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 | Waypoint 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 | Waypoint 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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