| Metric | Western Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.8% | +4.9% | +11.9 pts |
| Deposit growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| Loan growth (YoY) | +18.3% | +5.3% | +12.9 pts |
| ROA | 1.84% | 1.28% | +0.6 pts |
| ROE | 21.7% | 12.4% | +9.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $947.2M | $796.9M | $763.4M | $83.8M | $8.4M | 1.84% | 5.28% | 0.97% |
| Q1 2026 | $944.0M | $834.4M | $727.8M | $75.8M | $4.5M | 2.02% | 5.15% | 0.72% |
| Q4 2025 | $844.8M | $729.0M | $676.6M | $72.9M | $14.5M | 1.76% | 5.18% | 1.87% |
| Q3 2025 | $837.6M | $721.1M | $666.5M | $71.5M | $11.9M | 1.94% | 5.09% | 0.88% |
| Q2 2025 | $811.1M | $717.9M | $645.6M | $68.2M | $7.3M | 1.81% | 5.03% | 1.06% |
| Q1 2025 | $827.8M | $744.2M | $664.3M | $65.1M | $3.3M | 1.61% | 4.87% | 0.88% |
| Q4 2024 | $792.2M | $724.5M | $628.3M | $62.4M | $10.1M | 1.35% | 4.60% | 0.92% |
| Q3 2024 | $787.9M | $699.6M | $635.8M | $62.5M | $7.8M | 1.40% | 4.57% | 0.19% |
Loan mix (Q2 2026): real estate $515.2M · commercial $177.5M · consumer $1.6M · securities $26.8M
| Ratio | Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 21.7% | 12.4% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 61.2% | 55th |
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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