| Metric | West Shore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| Loan growth (YoY) | +10.2% | +5.3% | +4.8 pts |
| ROA | 0.83% | 1.28% | -0.4 pts |
| ROE | 9.0% | 12.4% | -3.4 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $833.6M | $720.2M | $653.2M | $78.2M | $3.4M | 0.83% | 3.98% | 0.98% |
| Q1 2026 | $828.1M | $696.6M | $636.2M | $76.6M | $1.8M | 0.88% | 4.00% | 0.21% |
| Q4 2025 | $820.2M | $685.5M | $633.9M | $74.8M | $6.9M | 0.86% | 3.97% | 0.21% |
| Q3 2025 | $836.6M | $700.4M | $600.0M | $73.1M | $5.4M | 0.91% | 3.93% | 0.05% |
| Q2 2025 | $789.6M | $652.1M | $593.0M | $65.2M | $3.2M | 0.82% | 3.84% | 0.05% |
| Q1 2025 | $778.5M | $658.6M | $586.3M | $62.5M | $1.3M | 0.69% | 3.76% | 0.06% |
| Q4 2024 | $768.3M | $659.1M | $565.4M | $60.4M | $5.5M | 0.72% | 3.50% | 0.08% |
| Q3 2024 | $808.7M | $704.1M | $559.1M | $59.8M | $3.6M | 0.63% | 3.44% | 0.06% |
Loan mix (Q2 2026): real estate $525.8M · commercial $113.7M · consumer $13.0M · securities $79.0M
| Ratio | West Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 61.2% | 86th |
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 Shore 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 Shore 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 Shore 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 Shore 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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