| Metric | Welcome State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.0% | +0.4 pts |
| Deposit growth (YoY) | +4.3% | +2.5% | +1.9 pts |
| Loan growth (YoY) | +1.4% | +2.6% | -1.2 pts |
| ROA | 2.94% | 0.99% | +1.9 pts |
| ROE | 23.2% | 8.1% | +15.1 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.3M | $38.1M | $30.0M | $5.7M | $651K | 2.94% | 4.67% | 0.00% |
| Q1 2026 | $44.4M | $38.6M | $29.4M | $5.6M | $326K | 2.94% | 4.62% | 0.00% |
| Q4 2025 | $44.2M | $38.2M | $28.7M | $5.5M | $991K | 2.29% | 4.91% | 0.00% |
| Q3 2025 | $43.8M | $38.3M | $29.7M | $5.3M | $837K | 2.59% | 4.87% | 0.00% |
| Q2 2025 | $42.8M | $36.5M | $29.6M | $5.1M | $573K | 2.67% | 4.87% | 0.02% |
| Q1 2025 | $43.4M | $38.3M | $28.4M | $5.0M | $262K | 2.44% | 4.67% | 0.02% |
| Q4 2024 | $42.5M | $37.5M | $27.6M | $4.9M | $856K | 2.08% | 4.80% | 0.00% |
| Q3 2024 | $40.4M | $35.3M | $26.2M | $4.9M | $810K | 2.64% | 4.78% | 0.33% |
Loan mix (Q2 2026): real estate $21.3M · commercial $2.2M · consumer $1.8M · securities $4.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Welcome State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 0.99% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 23.2% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.4% | 70.8% | 3th |
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 | Welcome 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 | Welcome 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 | Welcome 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 | Welcome 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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