| Metric | American Momentum Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.5 pts |
| Loan growth (YoY) | +0.1% | +5.9% | -5.9 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 5.8% | 12.2% | -6.4 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.85B | $2.18B | $1.97B | $630.4M | $18.0M | 1.27% | 4.42% | 2.78% |
| Q1 2026 | $2.83B | $2.17B | $1.84B | $622.1M | $10.3M | 1.47% | 4.44% | 2.74% |
| Q4 2025 | $2.79B | $2.14B | $1.86B | $613.0M | $49.9M | 1.78% | 4.86% | 1.65% |
| Q3 2025 | $2.77B | $2.13B | $1.94B | $599.4M | $36.4M | 1.74% | 4.84% | 1.52% |
| Q2 2025 | $2.80B | $2.17B | $1.97B | $585.5M | $24.1M | 1.72% | 4.89% | 1.19% |
| Q1 2025 | $2.82B | $2.21B | $1.97B | $571.7M | $11.8M | 1.67% | 4.88% | 1.05% |
| Q4 2024 | $2.80B | $2.21B | $1.95B | $547.3M | $51.9M | 1.96% | 5.29% | 1.32% |
| Q3 2024 | $2.67B | $2.10B | $1.90B | $538.0M | $38.9M | 1.99% | 5.36% | 0.76% |
Loan mix (Q2 2026): real estate $1.66B · commercial $332.1M · consumer $3.8M · securities $247.2M
| Ratio | American Momentum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 49th |
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 Momentum 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 Momentum 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 Momentum 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 Momentum 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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