| Metric | Amerasia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.5% | +3.4 pts |
| Deposit growth (YoY) | +11.9% | +5.1% | +6.8 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 11.9% | 12.2% | -0.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $914.0M | $814.1M | $160.8M | $9.3M | 1.79% | 4.39% | 1.20% |
| Q1 2026 | $1.03B | $867.6M | $784.5M | $156.3M | $4.8M | 1.88% | 4.41% | 1.25% |
| Q4 2025 | $1000.0M | $831.8M | $736.7M | $151.8M | $20.8M | 2.10% | 4.65% | 0.61% |
| Q3 2025 | $993.9M | $808.4M | $738.0M | $154.3M | $17.5M | 2.36% | 4.68% | 0.58% |
| Q2 2025 | $996.9M | $817.1M | $749.6M | $147.0M | $10.4M | 2.10% | 4.48% | 0.65% |
| Q1 2025 | $995.9M | $817.9M | $764.0M | $141.4M | $4.9M | 1.99% | 4.24% | 0.65% |
| Q4 2024 | $962.1M | $780.9M | $749.9M | $136.4M | $16.9M | 1.91% | 4.56% | 0.67% |
| Q3 2024 | $937.4M | $753.2M | $745.6M | $139.2M | $13.3M | 2.04% | 4.65% | 0.69% |
Loan mix (Q2 2026): real estate $795.4M · commercial $7.3M · consumer $91K · securities $152.2M
| Ratio | Amerasia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.4% | 59.0% | 5th |
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 | Amerasia 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 | Amerasia 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 | Amerasia 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 | Amerasia 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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