| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 0.62% | 1.24% | -0.6 pts |
| ROE | 5.7% | 11.9% | -6.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $179.9M | $152.7M | $141.4M | $19.4M | $550K | 0.62% | 4.30% | 0.47% |
| Q1 2026 | $179.0M | $147.2M | $140.4M | $19.3M | $316K | 0.72% | 4.31% | 0.48% |
| Q4 2025 | $174.5M | $154.6M | $134.4M | $19.0M | $1.0M | 0.57% | 3.95% | 0.49% |
| Q3 2025 | $179.1M | $150.6M | $137.3M | $18.6M | $797K | 0.59% | 3.91% | 0.26% |
| Q2 2025 | $180.7M | $147.3M | $137.8M | $18.1M | $506K | 0.56% | 3.89% | 0.03% |
| Q1 2025 | $177.8M | $152.6M | $134.8M | $17.6M | $247K | 0.55% | 3.76% | 0.03% |
| Q4 2024 | $180.7M | $151.2M | $131.0M | $17.0M | $986K | 0.56% | 3.80% | 0.03% |
| Q3 2024 | $174.7M | $145.0M | $126.6M | $17.4M | $723K | 0.56% | 3.83% | 0.03% |
Loan mix (Q2 2026): real estate $111.6M · commercial $24.2M · consumer $586K · securities $27.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Americana Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 62.9% | 80th |
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 | Americana Community 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 | Americana Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Americana Community 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 | Americana Community 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 | Americana Community Bank | 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.
4 branches in 3 counties across 1 state (+0 vs 2024) · $147.3M branch deposits. Biggest market: Brown, MN, ranked 8th with 5.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brown, MN | 1 | $60.6M | 5.25% | 8th |
| Hennepin, MN | 1 | $44.3M | 0.03% | 65th |
| Carver, MN | 2 | $42.4M | 1.34% | 16th |
Minnesota: 194th with 0.04% · Minneapolis-St. Paul-Bloomington metro: 122nd, 0.03% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4