| Metric | Western National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 15.9% | 11.9% | +4.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $257.4M | $232.0M | $202.1M | $24.3M | $1.9M | 1.51% | 4.17% | 0.02% |
| Q1 2026 | $261.8M | $236.4M | $197.9M | $24.4M | $959K | 1.51% | 4.11% | 0.02% |
| Q4 2025 | $244.6M | $219.5M | $197.3M | $23.7M | $3.0M | 1.23% | 4.01% | 0.02% |
| Q3 2025 | $244.2M | $218.5M | $193.3M | $23.3M | $2.3M | 1.22% | 3.94% | 0.02% |
| Q2 2025 | $245.3M | $221.6M | $190.3M | $22.2M | $1.4M | 1.16% | 3.86% | 0.03% |
| Q1 2025 | $245.9M | $222.1M | $193.1M | $22.3M | $707K | 1.14% | 3.78% | 0.02% |
| Q4 2024 | $249.8M | $211.7M | $199.9M | $21.4M | $2.1M | 0.85% | 3.57% | 0.02% |
| Q3 2024 | $240.4M | $211.6M | $189.4M | $22.3M | $1.6M | 0.90% | 3.54% | 0.00% |
Loan mix (Q2 2026): real estate $136.2M · commercial $20.9M · consumer $4.0M · securities $22.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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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