| Metric | American Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +5.5% | -5.7 pts |
| Deposit growth (YoY) | -2.1% | +5.1% | -7.2 pts |
| Loan growth (YoY) | -1.7% | +5.9% | -7.6 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 10.4% | 12.2% | -1.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.48B | $1.16B | $495.9M | $136.6M | $7.0M | 0.95% | 2.74% | 0.07% |
| Q1 2026 | $1.49B | $1.17B | $495.3M | $133.8M | $3.4M | 0.92% | 2.69% | 0.03% |
| Q4 2025 | $1.44B | $1.16B | $498.3M | $131.0M | $14.2M | 0.96% | 2.70% | 0.04% |
| Q3 2025 | $1.44B | $1.15B | $502.3M | $133.6M | $10.5M | 0.94% | 2.68% | 0.05% |
| Q2 2025 | $1.49B | $1.18B | $504.6M | $123.6M | $6.7M | 0.90% | 2.62% | 0.05% |
| Q1 2025 | $1.53B | $1.20B | $495.2M | $126.4M | $3.0M | 0.80% | 2.51% | 0.03% |
| Q4 2024 | $1.50B | $1.21B | $492.4M | $125.8M | $11.6M | 0.78% | 2.39% | 0.02% |
| Q3 2024 | $1.48B | $1.19B | $488.1M | $128.8M | $8.8M | 0.79% | 2.36% | 0.01% |
Loan mix (Q2 2026): real estate $401.9M · commercial $46.8M · consumer $20.5M · securities $787.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 59.0% | 75th |
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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