| Metric | Western Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $325.9M | $285.7M | $74.8M | $36.6M | $3.2M | 1.94% | 3.78% | 0.15% |
| Q1 2026 | $328.6M | $289.3M | $71.8M | $36.0M | $1.5M | 1.90% | 3.73% | 0.16% |
| Q4 2025 | $321.5M | $282.2M | $72.6M | $35.9M | $6.3M | 2.04% | 3.86% | 0.24% |
| Q3 2025 | $316.0M | $277.6M | $69.3M | $34.6M | $4.5M | 1.98% | 3.82% | 0.30% |
| Q2 2025 | $311.7M | $274.5M | $72.1M | $33.6M | $2.8M | 1.88% | 3.77% | 0.36% |
| Q1 2025 | $297.2M | $257.2M | $68.3M | $36.7M | $1.4M | 1.88% | 3.76% | 0.39% |
| Q4 2024 | $292.5M | $253.7M | $73.3M | $35.5M | $5.6M | 1.94% | 3.82% | 0.41% |
| Q3 2024 | $286.3M | $246.5M | $72.0M | $36.0M | $4.2M | 1.95% | 3.82% | 0.25% |
Loan mix (Q2 2026): real estate $53.8M · commercial $7.3M · consumer $3.3M · securities $209.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 62.9% | 24th |
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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