| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.9% | +3.0% | +14.0 pts |
| Deposit growth (YoY) | +11.3% | +2.5% | +8.8 pts |
| Loan growth (YoY) | +13.1% | +2.6% | +10.5 pts |
| ROA | 1.60% | 0.99% | +0.6 pts |
| ROE | 18.0% | 8.1% | +9.9 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.1M | $49.5M | $55.6M | $5.6M | $508K | 1.60% | 4.12% | 1.16% |
| Q1 2026 | $65.2M | $49.7M | $55.7M | $5.8M | $241K | 1.52% | 4.02% | 0.88% |
| Q4 2025 | $61.8M | $46.5M | $56.9M | $5.5M | $931K | 1.69% | 4.61% | 0.98% |
| Q3 2025 | $57.1M | $45.2M | $52.9M | $5.3M | $641K | 1.60% | 4.61% | 1.06% |
| Q2 2025 | $54.8M | $44.5M | $49.1M | $5.0M | $412K | 1.57% | 4.54% | 1.15% |
| Q1 2025 | $51.7M | $42.2M | $44.2M | $5.1M | $191K | 1.49% | 4.41% | 1.14% |
| Q4 2024 | $50.6M | $41.8M | $45.1M | $4.9M | $621K | 1.31% | 4.22% | 1.12% |
| Q3 2024 | $49.7M | $41.6M | $43.4M | $4.8M | $506K | 1.44% | 4.13% | 1.18% |
Loan mix (Q2 2026): real estate $52.8M · commercial $2.8M · consumer $797K · securities $73K
| Ratio | America's Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 8.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 70.8% | 24th |
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 | America's Community 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 | America's Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | America's Community 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 | America's Community 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 | America's Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $49.5M branch deposits. Biggest market: Jackson, MO, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $49.5M | 0.09% | 45th |
Missouri: 285th with 0.02% · Kansas City metro: 112th, 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 87% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).