| Metric | Whitaker Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.4 pts |
| Deposit growth (YoY) | +0.2% | +5.1% | -4.9 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 12.3% | 12.2% | +0.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.93B | $1.62B | $1.09B | $222.4M | $13.7M | 1.42% | 4.30% | 0.14% |
| Q1 2026 | $1.93B | $1.63B | $1.06B | $219.5M | $6.8M | 1.42% | 4.26% | 0.14% |
| Q4 2025 | $1.90B | $1.60B | $1.07B | $222.2M | $23.1M | 1.21% | 4.11% | 0.08% |
| Q3 2025 | $1.93B | $1.61B | $1.04B | $225.4M | $17.6M | 1.23% | 4.05% | 0.10% |
| Q2 2025 | $1.91B | $1.61B | $1.02B | $209.3M | $11.4M | 1.20% | 3.99% | 0.09% |
| Q1 2025 | $1.93B | $1.63B | $992.9M | $212.2M | $5.9M | 1.25% | 3.91% | 0.07% |
| Q4 2024 | $1.89B | $1.61B | $991.5M | $198.9M | $24.9M | 1.32% | 3.89% | 0.09% |
| Q3 2024 | $1.90B | $1.59B | $1.01B | $223.9M | $17.6M | 1.24% | 3.85% | 0.08% |
Loan mix (Q2 2026): real estate $1.02B · commercial $47.4M · consumer $25.1M · securities $609.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Whitaker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 59.0% | 56th |
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 | Whitaker 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 | Whitaker 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 | Whitaker 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 | Whitaker 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.