| Metric | West Pointe Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 2.33% | 1.24% | +1.1 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $368.8M | $260.2M | $301.7M | $71.3M | $4.3M | 2.33% | 5.08% | 0.76% |
| Q1 2026 | $374.1M | $266.0M | $300.3M | $70.3M | $2.7M | 2.90% | 5.82% | 1.75% |
| Q4 2025 | $368.8M | $261.1M | $313.4M | $67.6M | $5.1M | 1.40% | 4.04% | 1.88% |
| Q3 2025 | $363.6M | $257.4M | $305.8M | $67.3M | $4.4M | 1.61% | 3.94% | 3.35% |
| Q2 2025 | $368.5M | $263.8M | $310.7M | $65.9M | $2.8M | 1.53% | 3.86% | 3.23% |
| Q1 2025 | $361.8M | $265.1M | $299.7M | $64.8M | $1.4M | 1.55% | 3.79% | 0.00% |
| Q4 2024 | $348.0M | $252.5M | $286.3M | $63.4M | $4.8M | 1.39% | 3.68% | 0.00% |
| Q3 2024 | $353.7M | $256.0M | $289.1M | $64.7M | $3.6M | 1.37% | 3.60% | 0.06% |
Loan mix (Q2 2026): real estate $261.1M · commercial $49.4M · consumer $241K · securities $29.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | West Pointe Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 62.9% | 3th |
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 Pointe 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 Pointe 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 Pointe 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 Pointe 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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