| Metric | American State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +9.0% | +4.0% | +5.0 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.3 pts |
| ROA | 2.18% | 1.24% | +0.9 pts |
| ROE | 22.1% | 11.9% | +10.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $360.8M | $282.8M | $246.2M | $35.9M | $3.9M | 2.18% | 4.17% | 0.03% |
| Q1 2026 | $352.0M | $275.2M | $239.5M | $34.5M | $1.9M | 2.13% | 4.10% | 0.04% |
| Q4 2025 | $347.7M | $272.4M | $239.2M | $34.6M | $6.8M | 2.05% | 4.12% | 0.15% |
| Q3 2025 | $336.2M | $260.7M | $234.0M | $33.1M | $5.0M | 2.03% | 4.12% | 0.09% |
| Q2 2025 | $330.2M | $259.5M | $233.9M | $30.6M | $3.3M | 2.04% | 4.10% | 0.07% |
| Q1 2025 | $329.1M | $261.5M | $230.0M | $29.3M | $1.5M | 1.82% | 3.91% | 0.09% |
| Q4 2024 | $323.3M | $251.8M | $229.8M | $28.6M | $5.8M | 1.82% | 3.91% | 0.07% |
| Q3 2024 | $326.6M | $237.6M | $229.4M | $29.6M | $4.4M | 1.84% | 3.91% | 0.08% |
Loan mix (Q2 2026): real estate $159.5M · commercial $31.4M · consumer $12.7M · securities $81.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 62.9% | 15th |
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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