| Metric | West Gate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.5% | +3.4 pts |
| Deposit growth (YoY) | +16.9% | +5.1% | +11.9 pts |
| Loan growth (YoY) | +12.0% | +5.9% | +6.1 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 9.4% | 12.2% | -2.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.27B | $1.06B | $155.0M | $7.0M | 0.97% | 3.64% | 0.18% |
| Q1 2026 | $1.44B | $1.20B | $1.03B | $146.8M | $2.6M | 0.73% | 3.46% | 0.12% |
| Q4 2025 | $1.40B | $1.18B | $981.2M | $146.6M | $12.6M | 0.94% | 3.39% | 0.21% |
| Q3 2025 | $1.36B | $1.14B | $959.9M | $142.6M | $9.4M | 0.95% | 3.36% | 0.15% |
| Q2 2025 | $1.35B | $1.09B | $943.8M | $135.9M | $6.3M | 0.97% | 3.32% | 0.20% |
| Q1 2025 | $1.26B | $1.06B | $910.2M | $134.2M | $2.9M | 0.90% | 3.25% | 0.14% |
| Q4 2024 | $1.30B | $953.6M | $917.5M | $133.8M | $8.5M | 0.66% | 3.38% | 0.11% |
| Q3 2024 | $1.31B | $1.07B | $930.9M | $138.4M | $7.1M | 0.74% | 3.45% | 0.10% |
Loan mix (Q2 2026): real estate $945.4M · commercial $83.7M · consumer $340K · securities $245.7M
| Ratio | West Gate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 59.0% | 90th |
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 Gate 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 Gate 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 Gate 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 Gate 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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