| Metric | Western Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +7.2% | +4.3% | +2.8 pts |
| Loan growth (YoY) | +10.3% | +5.3% | +4.9 pts |
| ROA | 3.21% | 1.28% | +1.9 pts |
| ROE | 34.0% | 12.4% | +21.6 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $863.5M | $779.5M | $497.7M | $82.4M | $14.1M | 3.21% | 5.38% | 1.34% |
| Q1 2026 | $896.9M | $815.2M | $485.9M | $80.4M | $6.7M | 3.06% | 5.23% | 1.18% |
| Q4 2025 | $866.6M | $780.3M | $472.6M | $85.4M | $26.1M | 3.17% | 5.43% | 1.13% |
| Q3 2025 | $829.1M | $747.7M | $457.0M | $78.6M | $19.3M | 3.18% | 5.39% | 1.40% |
| Q2 2025 | $804.4M | $727.3M | $451.3M | $74.5M | $12.7M | 3.15% | 5.41% | 1.51% |
| Q1 2025 | $830.9M | $755.9M | $449.9M | $72.6M | $5.9M | 2.92% | 5.29% | 1.57% |
| Q4 2024 | $780.8M | $699.0M | $449.5M | $79.5M | $25.8M | 3.33% | 5.48% | 0.76% |
| Q3 2024 | $770.1M | $693.3M | $441.6M | $73.2M | $19.5M | 3.36% | 5.44% | 0.86% |
Loan mix (Q2 2026): real estate $403.9M · commercial $83.2M · consumer $4.2M · securities $262.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.21% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 34.0% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 61.2% | 6th |
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 Commerce 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 Commerce 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 Commerce 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 Commerce 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.