| Metric | American State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +5.5% | -8.2 pts |
| Deposit growth (YoY) | -1.9% | +5.1% | -6.9 pts |
| Loan growth (YoY) | -1.3% | +5.9% | -7.3 pts |
| ROA | 1.51% | 1.26% | +0.2 pts |
| ROE | 14.0% | 12.2% | +1.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.45B | $1.22B | $1.34B | $159.2M | $11.1M | 1.51% | 3.49% | 0.60% |
| Q1 2026 | $1.46B | $1.24B | $1.35B | $157.0M | $5.1M | 1.37% | 3.29% | 0.89% |
| Q4 2025 | $1.51B | $1.30B | $1.35B | $157.6M | $17.9M | 1.20% | 3.09% | 0.81% |
| Q3 2025 | $1.48B | $1.21B | $1.35B | $153.0M | $13.3M | 1.20% | 3.06% | 1.36% |
| Q2 2025 | $1.49B | $1.24B | $1.35B | $150.4M | $8.7M | 1.18% | 2.96% | 1.69% |
| Q1 2025 | $1.45B | $1.20B | $1.32B | $149.7M | $4.1M | 1.12% | 2.85% | 1.88% |
| Q4 2024 | $1.48B | $1.25B | $1.31B | $147.9M | $15.5M | 1.09% | 2.69% | 1.55% |
| Q3 2024 | $1.45B | $1.19B | $1.29B | $146.2M | $12.2M | 1.15% | 2.67% | 1.44% |
Loan mix (Q2 2026): real estate $744.0M · commercial $240.7M · consumer $14.6M · securities $25.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.26% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.1% | 59.0% | 12th |
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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