| Metric | West View Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | -24.0% | +4.0% | -28.0 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $365.1M | $122.3M | $88.5M | $34.6M | $1.2M | 0.66% | 2.02% | 0.00% |
| Q1 2026 | $365.2M | $130.9M | $92.0M | $34.2M | $602K | 0.66% | 2.03% | 0.00% |
| Q4 2025 | $362.7M | $180.9M | $90.0M | $34.0M | $1.8M | 0.52% | 1.81% | 0.00% |
| Q3 2025 | $356.9M | $146.9M | $90.9M | $34.0M | $1.3M | 0.49% | 1.78% | 0.00% |
| Q2 2025 | $353.8M | $161.0M | $85.9M | $33.7M | $789K | 0.45% | 1.76% | 0.00% |
| Q1 2025 | $352.4M | $130.9M | $81.5M | $33.6M | $425K | 0.48% | 1.77% | 0.00% |
| Q4 2024 | $351.9M | $119.2M | $80.0M | $33.8M | $1.4M | 0.40% | 1.60% | 0.00% |
| Q3 2024 | $354.0M | $122.7M | $78.3M | $33.7M | $1.1M | 0.40% | 1.59% | 0.00% |
Loan mix (Q2 2026): real estate $89.0M · commercial $100K · consumer $3K · securities $252.7M
| Ratio | West View Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 62.9% | 26th |
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 View Savings 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 View Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | West View Savings 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 View Savings 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 View Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+0 vs 2025) · $122.3M branch deposits. Biggest market: Allegheny, PA, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 3 | $99.1M | 0.06% | 27th |
| Butler, PA | 2 | $23.2M | 0.31% | 25th |
Pennsylvania: 195th with 0.02% · Pittsburgh metro: 44th, 0.06% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).