| Metric | AB&T | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 16.6% | 11.9% | +4.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.2M | $227.9M | $184.3M | $31.4M | $2.6M | 1.92% | 4.64% | 0.00% |
| Q1 2026 | $271.6M | $238.6M | $179.0M | $31.1M | $1.3M | 1.84% | 4.53% | 0.37% |
| Q4 2025 | $279.8M | $247.2M | $184.5M | $31.1M | $5.2M | 1.92% | 4.59% | 0.36% |
| Q3 2025 | $262.9M | $230.1M | $190.8M | $30.7M | $3.7M | 1.87% | 4.56% | 0.53% |
| Q2 2025 | $257.9M | $225.8M | $173.9M | $30.1M | $2.4M | 1.81% | 4.50% | 0.00% |
| Q1 2025 | $272.0M | $238.6M | $166.5M | $29.9M | $1.2M | 1.75% | 4.35% | 0.00% |
| Q4 2024 | $269.2M | $236.0M | $167.1M | $29.6M | $4.8M | 1.84% | 4.47% | 0.00% |
| Q3 2024 | $259.4M | $225.4M | $166.5M | $29.9M | $3.5M | 1.80% | 4.45% | 0.00% |
Loan mix (Q2 2026): real estate $142.3M · commercial $38.4M · consumer $3.1M · securities $31.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | AB&T | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 62.9% | 13th |
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 | AB&T | 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 | AB&T | 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 | AB&T | 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 | AB&T | 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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