| Metric | Western National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.4 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +18.2% | +5.6% | +12.6 pts |
| ROA | 0.14% | 1.24% | -1.1 pts |
| ROE | 1.3% | 11.9% | -10.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.8M | $108.8M | $92.8M | $14.3M | $93K | 0.14% | 4.02% | 2.68% |
| Q1 2026 | $135.3M | $108.0M | $84.8M | $14.3M | $-56K | -0.17% | 3.78% | 2.69% |
| Q4 2025 | $135.3M | $106.0M | $84.1M | $14.5M | $734K | 0.59% | 4.27% | 2.68% |
| Q3 2025 | $128.4M | $106.8M | $81.7M | $14.6M | $666K | 0.73% | 4.49% | 2.71% |
| Q2 2025 | $124.9M | $103.6M | $78.6M | $14.5M | $449K | 0.75% | 4.26% | 2.79% |
| Q1 2025 | $117.7M | $95.4M | $74.2M | $14.2M | $141K | 0.48% | 4.16% | 1.60% |
| Q4 2024 | $118.1M | $96.9M | $74.0M | $14.0M | $456K | 0.38% | 3.65% | 1.64% |
| Q3 2024 | $121.9M | $104.5M | $71.9M | $14.1M | $250K | 0.28% | 3.47% | 1.75% |
Loan mix (Q2 2026): real estate $83.9M · commercial $6.5M · consumer $2.2M · securities $16.0M
| Ratio | Western National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 62.9% | 96th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $103.6M branch deposits. Biggest market: St. Louis, MN, ranked 15th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MN | 3 | $103.6M | 1.55% | 15th |
Minnesota: 228th with 0.03% · Duluth metro: 19th, 1.21% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3