| Metric | American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +5.5% | +3.8 pts |
| Deposit growth (YoY) | +11.3% | +5.1% | +6.2 pts |
| Loan growth (YoY) | +9.9% | +5.9% | +4.0 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $914.8M | $895.7M | $114.9M | $7.0M | 1.28% | 3.11% | 0.03% |
| Q1 2026 | $1.08B | $903.3M | $853.7M | $110.6M | $3.5M | 1.31% | 3.08% | 0.06% |
| Q4 2025 | $1.08B | $896.8M | $839.5M | $110.0M | $14.0M | 1.37% | 3.03% | 0.09% |
| Q3 2025 | $1.04B | $852.2M | $831.1M | $112.2M | $10.1M | 1.33% | 3.01% | 0.30% |
| Q2 2025 | $1.02B | $822.1M | $814.8M | $109.7M | $6.7M | 1.33% | 2.96% | 0.35% |
| Q1 2025 | $1.01B | $811.8M | $812.5M | $106.0M | $2.5M | 1.01% | 2.92% | 0.35% |
| Q4 2024 | $986.4M | $793.9M | $798.6M | $103.3M | $9.9M | 1.06% | 2.80% | 0.35% |
| Q3 2024 | $946.4M | $753.8M | $804.8M | $106.3M | $6.5M | 0.94% | 2.76% | 0.34% |
Loan mix (Q2 2026): real estate $793.9M · commercial $108.1M · consumer $1.5M · securities $126.6M
| Ratio | American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 59.0% | 15th |
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 | American 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 | American 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 | American 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 | American 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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