| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.9% | +2.3 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +4.5% | +5.3% | -0.8 pts |
| ROA | 1.81% | 1.28% | +0.5 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $935.0M | $748.0M | $792.1M | $150.0M | $8.1M | 1.81% | 4.04% | 0.28% |
| Q1 2026 | $890.7M | $716.6M | $756.6M | $145.4M | $3.6M | 1.63% | 4.04% | 0.29% |
| Q4 2025 | $867.3M | $711.8M | $755.4M | $143.6M | $15.0M | 1.81% | 3.90% | 0.30% |
| Q3 2025 | $858.5M | $706.9M | $738.7M | $138.6M | $10.0M | 1.63% | 3.87% | 0.27% |
| Q2 2025 | $872.5M | $717.9M | $757.6M | $134.5M | $6.1M | 1.51% | 3.73% | 0.32% |
| Q1 2025 | $783.4M | $634.3M | $671.1M | $131.5M | $3.2M | 1.63% | 3.61% | 0.35% |
| Q4 2024 | $767.0M | $620.5M | $650.6M | $129.9M | $11.8M | 1.65% | 3.54% | 0.36% |
| Q3 2024 | $750.6M | $610.9M | $614.9M | $129.0M | $9.2M | 1.76% | 3.52% | 0.37% |
Loan mix (Q2 2026): real estate $748.8M · commercial $36.5M · consumer $13.4M · securities $10.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Plus Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.8% | 61.2% | 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 Plus Bank, N.A. | 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 Plus Bank, N.A. | 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 Plus Bank, N.A. | 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 Plus Bank, N.A. | 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.