| Metric | Wellington State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.4 pts |
| ROA | 1.28% | 1.28% | -0.0 pts |
| ROE | 16.7% | 12.4% | +4.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $659.7M | $599.4M | $338.5M | $50.3M | $4.2M | 1.28% | 3.81% | 2.84% |
| Q1 2026 | $650.2M | $590.3M | $336.7M | $50.2M | $2.0M | 1.21% | 3.64% | 3.45% |
| Q4 2025 | $653.2M | $593.1M | $343.5M | $50.4M | $5.3M | 0.87% | 3.51% | 3.82% |
| Q3 2025 | $633.9M | $575.2M | $335.9M | $48.7M | $3.9M | 0.85% | 3.52% | 3.26% |
| Q2 2025 | $598.4M | $546.3M | $345.5M | $42.1M | $2.8M | 0.96% | 3.62% | 2.91% |
| Q1 2025 | $594.8M | $544.0M | $338.7M | $41.4M | $1.4M | 0.93% | 3.47% | 2.74% |
| Q4 2024 | $592.5M | $545.0M | $352.4M | $37.7M | $4.3M | 0.73% | 3.54% | 0.28% |
| Q3 2024 | $588.7M | $530.5M | $345.6M | $42.8M | $2.4M | 0.55% | 3.38% | 1.22% |
Loan mix (Q2 2026): real estate $258.7M · commercial $23.4M · consumer $7.1M · securities $206.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wellington State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 61.2% | 60th |
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 | Wellington 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 | Wellington 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 | Wellington 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 | Wellington 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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