| Metric | American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +11.1% | +4.0% | +7.2 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.3 pts |
| ROA | 0.63% | 1.24% | -0.6 pts |
| ROE | 5.7% | 11.9% | -6.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $366.6M | $322.6M | $244.6M | $39.9M | $1.1M | 0.63% | 5.64% | 3.70% |
| Q1 2026 | $359.3M | $317.3M | $235.3M | $39.0M | $157K | 0.18% | 5.01% | 3.28% |
| Q4 2025 | $337.7M | $295.4M | $226.1M | $38.8M | $3.9M | 1.18% | 6.06% | 2.79% |
| Q3 2025 | $335.2M | $295.1M | $220.9M | $37.4M | $2.4M | 0.99% | 5.95% | 2.44% |
| Q2 2025 | $330.6M | $290.3M | $231.1M | $36.9M | $1.9M | 1.18% | 5.94% | 3.48% |
| Q1 2025 | $327.2M | $287.7M | $226.8M | $36.4M | $1.5M | 1.80% | 6.39% | 3.39% |
| Q4 2024 | $328.7M | $290.5M | $241.0M | $34.9M | $2.4M | 0.73% | 5.21% | 3.65% |
| Q3 2024 | $345.1M | $307.0M | $249.0M | $32.7M | $1.5M | 0.60% | 5.29% | 3.43% |
Loan mix (Q2 2026): real estate $226.4M · commercial $18.3M · consumer $1.8M · securities $10.8M
| Ratio | American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 62.9% | 84th |
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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