| Metric | American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.9% | -5.1 pts |
| Deposit growth (YoY) | +0.2% | +4.3% | -4.1 pts |
| Loan growth (YoY) | -3.4% | +5.3% | -8.8 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 14.6% | 12.4% | +2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $630.4M | $564.0M | $389.9M | $59.3M | $4.3M | 1.37% | 4.11% | 0.00% |
| Q1 2026 | $608.5M | $543.3M | $380.2M | $58.5M | $2.1M | 1.37% | 4.06% | 0.00% |
| Q4 2025 | $628.8M | $563.6M | $385.5M | $57.9M | $10.5M | 1.64% | 4.04% | 0.00% |
| Q3 2025 | $626.9M | $558.5M | $402.8M | $55.5M | $7.4M | 1.54% | 3.97% | 0.00% |
| Q2 2025 | $631.5M | $562.8M | $403.7M | $51.0M | $4.2M | 1.28% | 3.67% | 0.81% |
| Q1 2025 | $663.9M | $592.0M | $401.9M | $49.2M | $1.9M | 1.16% | 3.49% | 0.77% |
| Q4 2024 | $653.4M | $584.4M | $394.9M | $45.8M | $7.8M | 1.25% | 3.69% | 0.77% |
| Q3 2024 | $619.7M | $552.5M | $394.2M | $48.6M | $5.3M | 1.15% | 3.71% | 0.00% |
Loan mix (Q2 2026): real estate $293.4M · commercial $96.6M · consumer $608K · securities $125.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 61.2% | 65th |
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% |
The full ratio pack is part of CharterBench Pro.