| Metric | Westside State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.4% | +5.1 pts |
| Deposit growth (YoY) | +15.7% | +4.0% | +11.8 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $268.7M | $208.4M | $233.2M | $24.2M | $1.6M | 1.21% | 3.99% | 1.38% |
| Q1 2026 | $259.4M | $190.7M | $230.8M | $20.8M | $803K | 1.25% | 3.97% | 1.24% |
| Q4 2025 | $255.0M | $188.0M | $225.6M | $20.2M | $3.1M | 1.29% | 3.96% | 0.16% |
| Q3 2025 | $248.3M | $184.1M | $219.2M | $19.6M | $2.4M | 1.37% | 3.93% | 0.10% |
| Q2 2025 | $245.5M | $180.1M | $207.4M | $18.6M | $1.5M | 1.27% | 3.90% | 0.17% |
| Q1 2025 | $226.7M | $173.9M | $195.9M | $17.2M | $677K | 1.21% | 3.93% | 0.07% |
| Q4 2024 | $220.0M | $165.7M | $189.8M | $16.6M | $1.9M | 0.92% | 3.41% | 0.08% |
| Q3 2024 | $229.4M | $163.0M | $186.1M | $16.9M | $1.4M | 0.87% | 3.38% | 0.11% |
Loan mix (Q2 2026): real estate $131.4M · commercial $46.7M · consumer $12.3M · securities $13.0M
| Ratio | Westside State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 48th |
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 | Westside State 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 | Westside State 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 | Westside State 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 | Westside State 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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