| Metric | Western National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +3.0% | +8.7 pts |
| Deposit growth (YoY) | +12.3% | +2.5% | +9.8 pts |
| Loan growth (YoY) | +23.9% | +2.6% | +21.3 pts |
| ROA | 1.32% | 0.99% | +0.3 pts |
| ROE | 12.9% | 8.1% | +4.9 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.1M | $33.0M | $14.4M | $3.9M | $249K | 1.32% | 5.52% | 0.00% |
| Q1 2026 | $37.4M | $33.4M | $12.3M | $3.9M | $138K | 1.46% | 4.83% | 0.55% |
| Q4 2025 | $38.5M | $34.5M | $12.3M | $3.8M | $563K | 1.64% | 4.98% | 0.31% |
| Q3 2025 | $33.8M | $29.8M | $12.1M | $3.7M | $412K | 1.65% | 5.04% | 0.35% |
| Q2 2025 | $33.2M | $29.4M | $11.6M | $3.7M | $288K | 1.74% | 4.83% | 0.81% |
| Q1 2025 | $32.7M | $27.7M | $11.8M | $3.6M | $172K | 2.08% | 4.53% | 0.49% |
| Q4 2024 | $33.5M | $29.9M | $11.9M | $3.5M | $457K | 1.23% | 4.34% | 0.62% |
| Q3 2024 | $37.0M | $33.3M | $11.9M | $3.6M | $323K | 1.13% | 4.27% | 0.52% |
Loan mix (Q2 2026): real estate $12.9M · commercial $464K · consumer $1.1M · securities $14.9M
| Ratio | Western National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.99% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 8.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 70.8% | 64th |
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 National 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 National 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 National 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 National 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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