| Metric | Western Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.4% | +4.6 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.4 pts |
| ROA | 2.80% | 1.24% | +1.6 pts |
| ROE | 28.4% | 11.9% | +16.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $350.5M | $313.2M | $171.0M | $33.2M | $4.5M | 2.80% | 4.68% | 0.00% |
| Q1 2026 | $318.7M | $283.0M | $170.6M | $31.9M | $2.3M | 2.96% | 4.93% | 0.00% |
| Q4 2025 | $305.5M | $271.2M | $176.0M | $30.8M | $9.2M | 2.83% | 5.03% | 0.00% |
| Q3 2025 | $299.7M | $265.7M | $173.4M | $31.4M | $7.6M | 3.04% | 5.04% | 0.00% |
| Q2 2025 | $321.6M | $289.6M | $158.2M | $29.3M | $5.1M | 2.98% | 4.84% | 0.00% |
| Q1 2025 | $337.4M | $306.8M | $147.6M | $27.7M | $2.5M | 2.80% | 4.62% | 0.00% |
| Q4 2024 | $369.4M | $341.3M | $145.9M | $25.7M | $11.3M | 3.20% | 5.03% | 0.00% |
| Q3 2024 | $371.0M | $340.4M | $144.9M | $28.3M | $8.5M | 3.24% | 5.00% | 0.00% |
Loan mix (Q2 2026): real estate $47.9M · commercial $117.2M · consumer $8.0M · securities $62.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.80% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 28.4% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 4th |
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 | Western 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 | Western 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 | Western 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 | Western 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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