| Metric | Adams Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | +1.2% | +5.1% | -3.8 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.29B | $1.10B | $904.8M | $182.3M | $8.7M | 1.32% | 4.83% | 1.46% |
| Q1 2026 | $1.33B | $1.13B | $886.2M | $181.0M | $4.7M | 1.40% | 4.78% | 1.07% |
| Q4 2025 | $1.34B | $1.14B | $883.7M | $179.6M | $16.1M | 1.21% | 4.79% | 0.77% |
| Q3 2025 | $1.30B | $1.09B | $857.7M | $173.5M | $9.5M | 0.95% | 4.79% | 0.48% |
| Q2 2025 | $1.31B | $1.08B | $852.4M | $168.6M | $5.2M | 0.77% | 4.71% | 0.44% |
| Q1 2025 | $1.34B | $1.11B | $829.2M | $166.7M | $3.8M | 1.10% | 4.52% | 0.78% |
| Q4 2024 | $1.39B | $1.15B | $845.4M | $161.7M | $10.5M | 0.75% | 4.35% | 0.84% |
| Q3 2024 | $1.40B | $1.16B | $835.7M | $164.9M | $11.1M | 1.05% | 4.26% | 1.14% |
Loan mix (Q2 2026): real estate $670.5M · commercial $68.9M · consumer $7.7M · securities $218.0M
| Ratio | Adams Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 59.0% | 66th |
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 | Adams Bank & Trust | 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 | Adams Bank & Trust | 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 | Adams Bank & Trust | 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 | Adams Bank & Trust | 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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