| Metric | Wellworth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +5.7% | +5.9% | -0.3 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 13.1% | 12.2% | +1.0 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.84B | $1.54B | $1.25B | $180.5M | $11.7M | 1.30% | 3.84% | 0.96% |
| Q1 2026 | $1.78B | $1.50B | $1.23B | $176.6M | $5.8M | 1.30% | 3.82% | 0.96% |
| Q4 2025 | $1.76B | $1.45B | $1.22B | $175.3M | $21.8M | 1.27% | 3.80% | 0.90% |
| Q3 2025 | $1.75B | $1.43B | $1.21B | $169.1M | $15.6M | 1.22% | 3.77% | 0.34% |
| Q2 2025 | $1.71B | $1.42B | $1.18B | $161.3M | $9.9M | 1.17% | 3.70% | 0.38% |
| Q1 2025 | $1.70B | $1.40B | $1.16B | $156.0M | $4.4M | 1.05% | 3.50% | 0.41% |
| Q4 2024 | $1.67B | $1.37B | $1.15B | $149.3M | $16.8M | 1.04% | 3.31% | 0.29% |
| Q3 2024 | $1.66B | $1.36B | $1.13B | $154.0M | $11.8M | 0.98% | 3.24% | 0.30% |
Loan mix (Q2 2026): real estate $1.13B · commercial $79.4M · consumer $38.2M · securities $407.9M
| Ratio | Wellworth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 59.0% | 43th |
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 | Wellworth 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 | Wellworth 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 | Wellworth 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 | Wellworth 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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