Westbury Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Westbury Bank of Waukesha, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 10.53% | 13.32% | -2.79% | 39th below |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 75.85% | 61.13% | +14.72% | 18th bottom |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 24th bottom |
| Yield on Earning Assets | 4.66% | 5.67% | -1.01% | 12th bottom |
| Cost of Funds | 0.61% | 1.88% | -1.27% | 98th top |
| Net Interest Spread | 3.76% | 3.32% | +0.44% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO | 0.00% | 1397.08% | -1397.08% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.76% | 19.51% | -7.75% | 15th bottom |
| Tier 1 Ratio | 11.76% | 19.55% | -7.79% | 15th bottom |
| Total Capital Ratio | 12.80% | 20.63% | -7.83% | 15th bottom |
| Leverage Ratio | 9.20% | 12.14% | -2.94% | 15th bottom |
| Equity / Assets | 8.35% | 11.38% | -3.03% | 18th bottom |
| TCE / Tangible Assets | 8.35% | 11.10% | -2.75% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.71% | 80.64% | -1.93% | 54th above |
| Core Deposit Ratio | 99.80% | 86.85% | +12.95% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.25% | 6.86% | -11.11% | 6th bottom |
| Loan Growth (Y/Y) | -5.50% | 7.91% | -13.41% | 6th bottom |
| Deposit Growth (Y/Y) | -3.72% | 6.30% | -10.02% | 9th bottom |
See Westbury Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Westbury Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Westbury Bank profile, how to read a UBPR, or how this data updates.