| Metric | American Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.99% | 1.24% | +0.7 pts |
| ROE | 14.7% | 11.9% | +2.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.7M | $89.0M | $75.4M | $13.9M | $1.0M | 1.99% | 5.58% | 1.06% |
| Q1 2026 | $104.9M | $90.5M | $75.0M | $13.6M | $527K | 2.08% | 5.53% | 1.13% |
| Q4 2025 | $97.4M | $82.9M | $74.8M | $13.7M | $1.7M | 1.80% | 5.67% | 0.48% |
| Q3 2025 | $95.0M | $80.9M | $74.3M | $13.3M | $1.4M | 2.02% | 5.67% | 0.51% |
| Q2 2025 | $98.0M | $84.5M | $74.1M | $12.7M | $897K | 1.89% | 5.53% | 0.54% |
| Q1 2025 | $96.0M | $82.7M | $74.5M | $12.4M | $457K | 1.96% | 5.44% | 1.66% |
| Q4 2024 | $90.5M | $77.4M | $73.9M | $12.2M | $1.4M | 1.59% | 5.42% | 0.85% |
| Q3 2024 | $89.9M | $78.2M | $72.7M | $10.8M | $1.2M | 1.76% | 5.40% | 1.19% |
Loan mix (Q2 2026): real estate $57.1M · commercial $3.2M · consumer $7.8M · securities $5.6M
| Ratio | American Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 49th |
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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