| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.9% | -4.4 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.2 pts |
| Loan growth (YoY) | -8.8% | +5.3% | -14.2 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 6.3% | 12.4% | -6.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $948.3M | $736.5M | $690.5M | $97.2M | $3.0M | 0.63% | 3.13% | 1.15% |
| Q1 2026 | $986.4M | $754.6M | $724.0M | $95.7M | $1.3M | 0.55% | 3.01% | 1.57% |
| Q4 2025 | $973.8M | $740.3M | $731.6M | $94.5M | $4.0M | 0.42% | 3.07% | 1.42% |
| Q3 2025 | $970.2M | $735.9M | $758.7M | $94.2M | $3.9M | 0.55% | 3.08% | 0.87% |
| Q2 2025 | $943.5M | $707.0M | $757.6M | $92.0M | $2.5M | 0.54% | 3.02% | 1.57% |
| Q1 2025 | $941.6M | $708.2M | $757.5M | $90.6M | $1.3M | 0.57% | 2.93% | 1.72% |
| Q4 2024 | $934.5M | $716.8M | $748.0M | $88.7M | $3.8M | 0.42% | 2.96% | 1.40% |
| Q3 2024 | $944.1M | $714.7M | $764.1M | $88.6M | $2.3M | 0.33% | 2.95% | 1.39% |
Loan mix (Q2 2026): real estate $623.3M · commercial $67.8M · consumer $104K · securities $82.7M
| Ratio | American Bank of Freedom | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 61.2% | 75th |
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 of Freedom | 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 of Freedom | 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 of Freedom | 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 of Freedom | 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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