| Metric | West Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +4.4% | -10.0 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | -5.5% | +5.6% | -11.1 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 13.5% | 11.9% | +1.7 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.2M | $207.1M | $172.2M | $22.8M | $1.5M | 1.28% | 4.47% | 1.58% |
| Q1 2026 | $237.9M | $212.6M | $174.9M | $22.6M | $977K | 1.61% | 4.32% | 1.90% |
| Q4 2025 | $246.5M | $208.2M | $180.9M | $22.4M | $2.6M | 1.06% | 3.93% | 1.90% |
| Q3 2025 | $247.9M | $204.5M | $182.5M | $22.0M | $1.9M | 1.03% | 3.87% | 2.03% |
| Q2 2025 | $246.1M | $203.4M | $182.2M | $19.7M | $1.5M | 1.25% | 3.84% | 1.66% |
| Q1 2025 | $247.4M | $201.8M | $183.5M | $19.3M | $935K | 1.50% | 3.77% | 1.51% |
| Q4 2024 | $251.2M | $199.4M | $187.9M | $17.4M | $2.7M | 1.11% | 3.43% | 1.10% |
| Q3 2024 | $251.2M | $198.1M | $184.7M | $19.2M | $1.8M | 0.98% | 3.38% | 1.06% |
Loan mix (Q2 2026): real estate $123.6M · commercial $25.2M · consumer $12.3M · securities $46.5M
| Ratio | West Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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 Central 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 Central 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 Central 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 Central 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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