| Metric | ACB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.9 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.5M | $114.8M | $101.4M | $16.4M | $984K | 1.40% | 4.07% | 1.35% |
| Q1 2026 | $143.8M | $114.6M | $103.1M | $16.9M | $663K | 1.85% | 4.25% | 0.10% |
| Q4 2025 | $143.0M | $114.3M | $105.8M | $16.4M | $2.2M | 1.60% | 4.56% | 0.16% |
| Q3 2025 | $142.6M | $114.1M | $102.7M | $16.2M | $1.7M | 1.68% | 4.37% | 1.61% |
| Q2 2025 | $139.9M | $112.4M | $101.9M | $15.1M | $902K | 1.32% | 4.01% | 2.51% |
| Q1 2025 | $134.0M | $112.0M | $99.4M | $14.7M | $414K | 1.22% | 3.93% | 2.64% |
| Q4 2024 | $137.6M | $113.0M | $100.1M | $14.3M | $940K | 0.69% | 3.73% | 2.64% |
| Q3 2024 | $135.3M | $110.1M | $101.5M | $14.8M | $821K | 0.80% | 3.77% | 2.20% |
Loan mix (Q2 2026): real estate $61.9M · commercial $7.6M · consumer $1.1M · securities $19.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ACB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
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 | ACB Bank | 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 | ACB Bank | 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 | ACB Bank | 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 | ACB Bank | 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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