| Metric | American Eagle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | -2.9% | +4.0% | -6.8 pts |
| Loan growth (YoY) | +11.1% | +5.6% | +5.6 pts |
| ROA | -0.19% | 1.24% | -1.4 pts |
| ROE | -2.2% | 11.9% | -14.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $484.7M | $363.1M | $441.7M | $40.7M | $-467K | -0.19% | 2.52% | 0.03% |
| Q1 2026 | $490.5M | $375.2M | $437.4M | $43.2M | $613K | 0.50% | 2.43% | 0.03% |
| Q4 2025 | $496.9M | $375.6M | $428.0M | $43.1M | $2.1M | 0.44% | 2.36% | 0.03% |
| Q3 2025 | $487.9M | $378.0M | $419.2M | $42.9M | $1.7M | 0.46% | 2.32% | 0.02% |
| Q2 2025 | $476.0M | $373.9M | $397.4M | $42.6M | $812K | 0.34% | 2.18% | 0.02% |
| Q1 2025 | $486.0M | $372.3M | $415.5M | $42.7M | $339K | 0.28% | 2.18% | 0.03% |
| Q4 2024 | $474.1M | $368.6M | $407.1M | $40.8M | $1.9M | 0.43% | 2.11% | 0.03% |
| Q3 2024 | $461.3M | $350.4M | $386.4M | $40.1M | $1.3M | 0.40% | 2.03% | 0.04% |
Loan mix (Q2 2026): real estate $228.3M · commercial $2.0M · consumer $212.5M · securities $1.6M
| Ratio | American Eagle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 1.24% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 62.9% | 99th |
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 Eagle 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 Eagle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | American Eagle 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 Eagle 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 Eagle 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $363.1M branch deposits. Biggest market: Kane, IL, ranked 13th with 1.9% of deposits.
Illinois: 169th with 0.05% · Chicago-Naperville-Elgin metro: 97th, 0.05% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).