| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 8.9% | 11.9% | -2.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $306.5M | $249.4M | $247.5M | $40.7M | $1.8M | 1.12% | 4.69% | 0.00% |
| Q1 2026 | $324.8M | $265.4M | $241.8M | $39.1M | $755K | 0.93% | 4.47% | 0.00% |
| Q4 2025 | $321.4M | $262.1M | $235.0M | $39.2M | $3.1M | 1.06% | 4.60% | 0.00% |
| Q3 2025 | $297.1M | $239.0M | $237.3M | $38.1M | $2.3M | 1.06% | 4.61% | 0.00% |
| Q2 2025 | $290.7M | $234.8M | $233.5M | $36.8M | $1.5M | 1.04% | 4.51% | 0.00% |
| Q1 2025 | $287.6M | $238.6M | $232.7M | $35.7M | $743K | 1.05% | 4.49% | 0.00% |
| Q4 2024 | $276.4M | $216.7M | $223.1M | $35.6M | $2.6M | 0.96% | 4.34% | 0.00% |
| Q3 2024 | $285.1M | $227.7M | $218.9M | $34.7M | $1.8M | 0.90% | 4.29% | 0.00% |
Loan mix (Q2 2026): real estate $243.7M · commercial $6.7M · consumer $5K · securities $23.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 62.9% | 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 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 | American 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 | American 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 | American Community 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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