| Metric | WebBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +31.4% | +5.5% | +26.0 pts |
| Deposit growth (YoY) | +33.7% | +5.1% | +28.6 pts |
| Loan growth (YoY) | +34.9% | +5.9% | +29.0 pts |
| ROA | 4.68% | 1.26% | +3.4 pts |
| ROE | 28.4% | 12.2% | +16.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.86B | $2.26B | $2.41B | $478.6M | $65.5M | 4.68% | 15.79% | 0.44% |
| Q1 2026 | $2.59B | $2.02B | $2.17B | $464.5M | $31.4M | 4.54% | 15.38% | 0.48% |
| Q4 2025 | $2.94B | $2.39B | $2.13B | $442.9M | $104.3M | 4.46% | 16.46% | 0.29% |
| Q3 2025 | $2.39B | $1.86B | $2.02B | $422.9M | $74.2M | 4.52% | 17.02% | 0.62% |
| Q2 2025 | $2.18B | $1.69B | $1.79B | $404.6M | $46.0M | 4.33% | 16.93% | 1.07% |
| Q1 2025 | $2.08B | $1.62B | $1.73B | $390.4M | $21.8M | 4.16% | 16.49% | 1.17% |
| Q4 2024 | $2.11B | $1.66B | $1.80B | $378.7M | $84.8M | 3.74% | 13.90% | 1.68% |
| Q3 2024 | $2.17B | $1.73B | $1.67B | $365.6M | $61.7M | 3.57% | 13.52% | 1.47% |
Loan mix (Q2 2026): real estate $5.5M · commercial $1.57B · consumer $858.4M · securities $230.0M
| Ratio | WebBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.68% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 28.4% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 15.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 59.0% | 63th |
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 | WebBank | 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 | WebBank | 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 | WebBank | 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 | WebBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.