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 | |