| Metric | American Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +4.4% | +8.1 pts |
| Deposit growth (YoY) | +13.1% | +4.0% | +9.1 pts |
| Loan growth (YoY) | -5.5% | +5.6% | -11.1 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 18.4% | 11.9% | +6.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.2M | $137.2M | $71.5M | $15.0M | $1.4M | 1.85% | 4.75% | 0.11% |
| Q1 2026 | $149.0M | $133.6M | $73.9M | $14.2M | $670K | 1.82% | 4.76% | 0.11% |
| Q4 2025 | $145.8M | $129.1M | $77.6M | $15.7M | $2.5M | 1.84% | 5.06% | 0.14% |
| Q3 2025 | $138.2M | $122.2M | $76.5M | $14.9M | $1.9M | 1.85% | 5.10% | 0.27% |
| Q2 2025 | $136.2M | $121.3M | $75.6M | $13.9M | $1.2M | 1.85% | 5.12% | 1.57% |
| Q1 2025 | $136.3M | $122.1M | $80.0M | $13.0M | $618K | 1.83% | 5.13% | 0.14% |
| Q4 2024 | $133.3M | $119.4M | $75.9M | $13.0M | $2.4M | 1.83% | 5.38% | 0.18% |
| Q3 2024 | $128.8M | $114.7M | $75.6M | $13.1M | $2.0M | 2.05% | 5.47% | 0.34% |
Loan mix (Q2 2026): real estate $34.0M · commercial $13.8M · consumer $477K · securities $52.4M
| Ratio | American Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th |
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 Heritage 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 Heritage 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 Heritage 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 Heritage 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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