No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.1M | $88.0M | $95.3M | $16.4M | $635K | 1.07% | 4.06% | 0.00% |
| Q1 2026 | $117.9M | $91.2M | $95.9M | $16.0M | $310K | 1.04% | 3.99% | 0.00% |
| Q4 2025 | $120.3M | $92.0M | $96.4M | $15.7M | $1.0M | 0.93% | 3.99% | 0.00% |
| Q3 2025 | $113.5M | $88.8M | $93.5M | $15.5M | $763K | 0.92% | 3.99% | 0.00% |
| Q2 2025 | $111.0M | $87.5M | $89.6M | $15.3M | $489K | 0.90% | 3.95% | 0.00% |
| Q1 2025 | $109.5M | $88.3M | $89.5M | $15.0M | $203K | 0.75% | 3.86% | 0.00% |
| Q4 2024 | $106.2M | $82.2M | $87.7M | $14.8M | $1.0M | 1.05% | 4.11% | 0.00% |
| Q3 2024 | $103.6M | $80.7M | $84.5M | $14.6M | $884K | 1.23% | 4.05% | 0.00% |
Loan mix (Q2 2026): real estate $94.8M · commercial $193K · consumer $0 · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 62.9% | 72th |
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 Metro 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 Metro 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 Metro 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 Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.