| Metric | Wisdom Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Deposit growth (YoY) | +8.2% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +9.9% | +5.3% | +4.6 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 8.4% | 12.5% | -4.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $601.3M | $505.8M | $300.7M | $78.8M | $3.2M | 1.06% | 3.12% | 0.72% |
| Q1 2026 | $600.9M | $517.4M | $296.4M | $76.4M | $1.9M | 1.22% | 3.04% | 1.22% |
| Q4 2025 | $630.8M | $528.7M | $326.3M | $76.4M | $12.2M | 2.09% | 3.52% | 0.21% |
| Q3 2025 | $589.4M | $481.6M | $278.8M | $83.1M | $8.7M | 2.03% | 3.63% | 0.22% |
| Q2 2025 | $551.4M | $467.6M | $273.5M | $77.4M | $6.2M | 2.18% | 3.72% | 0.48% |
| Q1 2025 | $565.3M | $473.1M | $294.0M | $74.5M | $3.1M | 2.17% | 3.82% | 0.27% |
| Q4 2024 | $580.4M | $482.6M | $300.9M | $70.1M | $10.4M | 1.79% | 3.64% | 0.26% |
| Q3 2024 | $505.6M | $411.5M | $234.6M | $67.9M | $8.2M | 2.20% | 3.75% | 0.77% |
Loan mix (Q2 2026): real estate $178.3M · commercial $19.8M · consumer $2.4M · securities $225.5M
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.5% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 61.1% | 61st |
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 | Wisdom Heritage 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 | Wisdom Heritage 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 | Wisdom Heritage 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 | Wisdom Heritage 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 | Wisdom Heritage 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.
6 branches in 5 counties across 2 states (+0 vs 2025) · $505.8M branch deposits. Biggest market: Woods, OK, ranked 1st with 50.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Woods, OK | 2 | $320.8M | 50.14% | 1st |
| Barber, KS | 1 | $65.5M | 34.63% | 2nd |
| Garfield, OK | 1 | $52.4M | 0.84% | 10th |
| 2 more counties with Pro → | ||||
Oklahoma: 67th with 0.26% · Kansas: 207th with 0.06% · Enid metro: 10th, 0.84% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6 · 2026 6
Technology spend up 29% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).