| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +4.4% | -10.1 pts |
| Deposit growth (YoY) | -8.9% | +4.0% | -12.9 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 3.61% | 1.24% | +2.4 pts |
| ROE | 18.7% | 11.9% | +6.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.0M | $105.3M | $72.2M | $26.6M | $2.4M | 3.61% | 5.31% | 0.00% |
| Q1 2026 | $127.8M | $102.4M | $66.2M | $25.3M | $1.1M | 3.44% | 5.12% | 0.00% |
| Q4 2025 | $134.2M | $109.7M | $66.9M | $24.2M | $5.4M | 4.23% | 5.87% | 0.00% |
| Q3 2025 | $124.4M | $98.5M | $66.6M | $25.7M | $3.9M | 4.12% | 5.96% | 0.00% |
| Q2 2025 | $140.1M | $115.6M | $67.4M | $24.4M | $2.6M | 4.11% | 5.97% | 0.26% |
| Q1 2025 | $120.3M | $97.1M | $70.9M | $23.0M | $1.2M | 4.18% | 5.92% | 0.00% |
| Q4 2024 | $114.5M | $92.4M | $68.1M | $21.8M | $5.1M | 4.27% | 6.11% | 0.00% |
| Q3 2024 | $126.9M | $103.2M | $68.8M | $23.6M | $3.9M | 4.27% | 6.04% | 0.00% |
Loan mix (Q2 2026): real estate $58.2M · commercial $13.6M · consumer $248K · securities $0
| Ratio | American Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.61% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.4% | 62.9% | 1th |
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 Interstate 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 Interstate 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 Interstate 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 Interstate 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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