| Metric | West Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +5.5% | -6.1 pts |
| Deposit growth (YoY) | -1.3% | +5.1% | -6.4 pts |
| Loan growth (YoY) | -0.6% | +5.9% | -6.5 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.03B | $3.35B | $2.92B | $378.1M | $24.2M | 1.19% | 2.78% | 0.00% |
| Q1 2026 | $4.01B | $3.34B | $2.96B | $369.4M | $11.9M | 1.16% | 2.71% | 0.00% |
| Q4 2025 | $4.14B | $3.47B | $2.97B | $366.2M | $37.8M | 0.94% | 2.53% | 0.00% |
| Q3 2025 | $3.98B | $3.31B | $2.98B | $356.9M | $29.1M | 0.97% | 2.48% | 0.00% |
| Q2 2025 | $4.06B | $3.40B | $2.94B | $344.3M | $18.5M | 0.92% | 2.43% | 0.00% |
| Q1 2025 | $3.98B | $3.33B | $2.99B | $342.7M | $9.2M | 0.92% | 2.41% | 0.00% |
| Q4 2024 | $4.01B | $3.36B | $2.97B | $333.7M | $29.6M | 0.75% | 2.13% | 0.00% |
| Q3 2024 | $3.99B | $3.28B | $2.99B | $342.6M | $21.2M | 0.72% | 2.08% | 0.01% |
Loan mix (Q2 2026): real estate $2.42B · commercial $424.0M · consumer $5.6M · securities $446.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 59.0% | 15th |
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 | West 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 | West 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 | West 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 | West 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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