| Metric | WEX Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.7% | +5.9% | +14.9 pts |
| Deposit growth (YoY) | +21.4% | +5.7% | +15.7 pts |
| Loan growth (YoY) | +15.8% | +6.9% | +8.9 pts |
| ROA | 4.30% | 1.23% | +3.1 pts |
| ROE | 51.9% | 11.2% | +40.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.71B | $7.91B | $4.32B | $856.1M | $205.4M | 4.30% | 10.58% | 0.18% |
| Q1 2026 | $9.53B | $7.03B | $3.84B | $751.3M | $87.8M | 3.91% | 10.00% | 0.31% |
| Q4 2025 | $8.45B | $6.28B | $2.96B | $766.6M | $378.2M | 4.62% | 10.09% | 0.27% |
| Q3 2025 | $8.44B | $6.30B | $3.30B | $752.8M | $283.9M | 4.66% | 10.14% | 0.25% |
| Q2 2025 | $8.87B | $6.51B | $3.73B | $712.8M | $190.3M | 4.74% | 9.99% | 0.21% |
| Q1 2025 | $7.96B | $5.66B | $3.32B | $621.4M | $92.8M | 4.88% | 10.28% | 0.21% |
| Q4 2024 | $7.23B | $5.32B | $2.63B | $544.8M | $338.4M | 4.56% | 10.96% | 0.27% |
| Q3 2024 | $7.72B | $5.50B | $3.28B | $655.3M | $262.8M | 4.69% | 10.91% | 0.26% |
Loan mix (Q2 2026): real estate $8.1M · commercial $4.37B · consumer $0 · securities $5.03B
| Ratio | WEX Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.30% | 1.23% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 51.9% | 11.3% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 10.58% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 54.9% | 62nd |
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 | WEX 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 | WEX 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 | WEX 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 | WEX 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 | WEX 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $6.50B branch deposits. Biggest market: Salt Lake, UT, ranked 16th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $6.50B | 0.63% | 16th |
Utah: 19th with 0.58% · Salt Lake City-Murray metro: 16th, 0.62% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1