| Metric | American State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +4.9% | -8.5 pts |
| Deposit growth (YoY) | -1.8% | +4.3% | -6.1 pts |
| Loan growth (YoY) | -7.5% | +5.3% | -12.9 pts |
| ROA | 0.08% | 1.28% | -1.2 pts |
| ROE | 0.7% | 12.4% | -11.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $637.8M | $535.5M | $452.0M | $77.0M | $263K | 0.08% | 2.85% | 2.70% |
| Q1 2026 | $652.8M | $551.4M | $447.1M | $76.3M | $-322K | -0.19% | 2.64% | 4.65% |
| Q4 2025 | $672.7M | $555.8M | $478.4M | $76.7M | $-184K | -0.03% | 2.71% | 2.75% |
| Q3 2025 | $674.0M | $556.8M | $491.1M | $76.4M | $-346K | -0.07% | 2.65% | 1.26% |
| Q2 2025 | $661.7M | $545.2M | $488.9M | $76.4M | $-79K | -0.02% | 2.57% | 1.15% |
| Q1 2025 | $688.5M | $571.9M | $514.1M | $75.7M | $-619K | -0.36% | 2.41% | 0.91% |
| Q4 2024 | $694.1M | $576.4M | $512.7M | $76.1M | $-4.6M | -0.51% | 2.42% | 1.80% |
| Q3 2024 | $921.2M | $803.4M | $685.5M | $77.4M | $-3.4M | -0.48% | 2.26% | 1.64% |
Loan mix (Q2 2026): real estate $424.1M · commercial $29.0M · consumer $5.2M · securities $19.2M
| Ratio | American State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 61.2% | 96th |
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 State 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 State 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 State 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 State 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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