| Metric | American Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | -0.4% | +4.3% | -4.7 pts |
| Loan growth (YoY) | +3.9% | +5.3% | -1.4 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 12.0% | 12.4% | -0.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $795.8M | $615.6M | $678.1M | $71.3M | $4.1M | 1.06% | 4.05% | 0.00% |
| Q1 2026 | $764.4M | $620.4M | $648.4M | $69.1M | $1.7M | 0.90% | 3.94% | 0.06% |
| Q4 2025 | $782.9M | $632.5M | $664.3M | $67.2M | $8.7M | 1.12% | 3.77% | 0.01% |
| Q3 2025 | $770.5M | $597.5M | $658.3M | $74.8M | $6.6M | 1.13% | 3.89% | 0.01% |
| Q2 2025 | $767.7M | $617.8M | $652.6M | $72.3M | $4.0M | 1.04% | 3.84% | 0.02% |
| Q1 2025 | $770.7M | $621.2M | $661.3M | $70.0M | $1.9M | 0.95% | 3.75% | 0.12% |
| Q4 2024 | $794.9M | $612.5M | $685.9M | $68.1M | $5.1M | 0.65% | 3.43% | 0.00% |
| Q3 2024 | $813.8M | $578.2M | $696.0M | $67.1M | $3.5M | 0.60% | 3.55% | 0.00% |
Loan mix (Q2 2026): real estate $539.0M · commercial $22.8M · consumer $6.0M · securities $75.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 61.2% | 82th |
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 Federal 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 Federal 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 Federal 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 Federal 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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