Boise, ID · Cert 58752 · Gwy LLC
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
5
Profitability
64
Liquidity
59
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Boise, ID · Cert 58752 · Gwy LLC
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.6% share · #14 of 26 inst. · $0.4B of $65.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.76% | 1.55% | 1.70% | 1.76% | 1.68% | 1.37% | 1.43% | -27 bps | |
| Return on Equity | 13.57% | 13.42% | 11.40% | 12.33% | 12.39% | 11.65% | 8.92% | 9.12% | -320 bps | |
| Net Interest Margin | 4.64% | 4.49% | 4.50% | 4.47% | 4.55% | 4.46% | 4.39% | 4.50% | +2 bps | |
| Efficiency Ratio | 49.65% | 48.75% | 49.74% | 49.31% | 49.82% | 49.85% | 52.72% | 55.10% | +579 bps | |
| Non-Interest Burden | 2.19% | 2.08% | 2.11% | 2.09% | 2.15% | 2.12% | 2.14% | 2.32% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 8.96% | 7.50% | 9.08% | -2.05% | 2.59% | -2.27% | -1.16% | -1,024 bps | |
| Loan Growth (YoY) | 13.81% | 14.97% | 20.72% | 13.65% | 6.93% | 4.73% | -2.20% | -6.19% | -1,984 bps | |
| Deposit Growth (YoY) | -4.51% | 10.05% | 4.94% | 6.08% | -2.50% | 3.67% | -3.26% | -2.40% | -848 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 1.12% | 1.53% | 2.20% | 2.44% | 3.99% | 3.69% | 3.79% | +159 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | 0.82% | 0.40% | 0.19% | 0.42% | 0.93% | 0.89% | +49 bps | |
| Allowance / Loans | 1.53% | 1.66% | 1.55% | 1.65% | 1.74% | 1.71% | 1.66% | 1.49% | -16 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.0x | 0.8x | 0.7x | 0.4x | 0.5x | 0.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.79% | 13.79% | 14.27% | 14.26% | 15.00% | 15.27% | 15.69% | 16.57% | +230 bps | |
| Total Risk-Based Capital | 13.79% | 13.79% | 14.27% | 14.26% | 15.00% | 15.27% | 15.69% | 16.57% | +230 bps | |
| Equity / Assets | 13.20% | 13.58% | 13.53% | 14.28% | 15.54% | 15.19% | 15.65% | 16.10% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.92% | 76.54% | 79.86% | 81.59% | 85.45% | 77.32% | 80.74% | 78.43% | -317 bps | |
| Liquid Assets / Assets | 33.82% | 35.60% | 31.83% | 29.21% | 25.49% | 31.49% | 24.41% | 23.20% | -601 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 232% | 243% | n/a | n/a | |
Boise, ID · Cert 58752 · Peer group: banks $1B-$10B in assets (n=322-328) · Gwy LLC
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.44%
Rank 98 of 328
Net Interest Margin
4.50%
Rank 27 of 328
Efficiency Ratio
55.10%
Rank 117 of 328
Equity / Assets
16.10%
Rank 14 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.91% | 1.22% | 1.52% | Beats 70% | 98 / 328 | ||
| Return on Equity | 8.93% | 8.43% | 11.45% | 14.43% | Beats 29% | 234 / 328 | ||
| Net Interest Margin | 4.50% | 3.03% | 3.45% | 3.83% | Beats 92% | 27 / 328 | ||
| Efficiency Ratio | 55.10% | 51.61% | 59.56% | 67.53% | Beats 65% | 117 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.79% | 0.24% | 0.51% | 1.03% | Beats 2% | 318 / 322 | ||
| Net Charge-Offs / Loans | 0.45% | 0.01% | 0.03% | 0.10% | Beats 7% | 300 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.57% | 11.75% | 13.15% | 15.47% | Beats 82% | 58 / 328 | ||
| Total Risk-Based Capital Ratio | 16.57% | 12.63% | 14.15% | 16.46% | Beats 77% | 77 / 328 | ||
| Equity / Assets | 16.10% | 9.15% | 10.33% | 12.01% | Beats 96% | 14 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.43% | 76.63% | 87.92% | 95.36% | 28th pctl | 233 / 323 | ||
| Loans / Assets | 59.38% | 65.18% | 74.15% | 79.98% | 17th pctl | 273 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||