| Metric | WNB FINANCIAL, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +0.2% | +5.3% | -5.2 pts |
| ROA | 1.00% | 1.28% | -0.3 pts |
| ROE | 9.7% | 12.4% | -2.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $583.7M | $512.9M | $347.7M | $60.3M | $2.9M | 1.00% | 3.45% | 0.05% |
| Q1 2026 | $570.0M | $499.9M | $340.9M | $58.9M | $1.2M | 0.81% | 3.37% | 0.05% |
| Q4 2025 | $585.0M | $515.5M | $347.9M | $58.7M | $4.3M | 0.76% | 3.33% | 0.01% |
| Q3 2025 | $561.1M | $492.8M | $353.9M | $57.4M | $2.9M | 0.70% | 3.28% | 0.01% |
| Q2 2025 | $556.8M | $490.9M | $347.1M | $55.5M | $1.6M | 0.59% | 3.19% | 0.01% |
| Q1 2025 | $547.8M | $477.9M | $332.1M | $54.6M | $712K | 0.51% | 3.03% | 0.07% |
| Q4 2024 | $564.6M | $490.9M | $338.0M | $53.1M | $2.2M | 0.40% | 2.78% | 0.04% |
| Q3 2024 | $555.9M | $476.0M | $339.8M | $53.6M | $1.4M | 0.32% | 2.70% | 0.04% |
Loan mix (Q2 2026): real estate $312.8M · commercial $31.8M · consumer $4.3M · securities $127.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | WNB FINANCIAL, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 61.2% | 69th |
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 | WNB FINANCIAL, N.A. | 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 | WNB FINANCIAL, N.A. | 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 | WNB FINANCIAL, N.A. | 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 | WNB FINANCIAL, N.A. | 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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