| Metric | American Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.0% | +2.2 pts |
| Deposit growth (YoY) | +10.7% | +2.5% | +8.2 pts |
| Loan growth (YoY) | +4.4% | +2.6% | +1.8 pts |
| ROA | 2.28% | 0.99% | +1.3 pts |
| ROE | 26.0% | 8.1% | +17.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.7M | $61.8M | $47.6M | $6.6M | $812K | 2.28% | 4.47% | 0.68% |
| Q1 2026 | $74.7M | $67.2M | $46.7M | $6.2M | $403K | 2.23% | 4.39% | 0.48% |
| Q4 2025 | $69.7M | $56.5M | $50.1M | $5.9M | $1.5M | 2.19% | 4.53% | 0.52% |
| Q3 2025 | $68.2M | $53.3M | $48.0M | $7.8M | $1.4M | 2.68% | 4.57% | 0.78% |
| Q2 2025 | $66.2M | $55.8M | $45.6M | $7.3M | $938K | 2.77% | 4.48% | 0.66% |
| Q1 2025 | $67.9M | $60.3M | $44.0M | $7.0M | $603K | 3.52% | 4.30% | 0.55% |
| Q4 2024 | $69.3M | $56.5M | $44.5M | $6.6M | $939K | 1.36% | 3.81% | 1.62% |
| Q3 2024 | $67.7M | $51.0M | $44.1M | $6.9M | $814K | 1.57% | 3.80% | 0.59% |
Loan mix (Q2 2026): real estate $27.3M · commercial $10.8M · consumer $1.3M · securities $15.4M
| Ratio | American Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 0.99% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 26.0% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 70.8% | 10th |
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 Exchange 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 Exchange 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 Exchange 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 Exchange 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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