| Metric | AmeriFirst Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.2 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 13.3% | 11.9% | +1.4 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $364.1M | $325.1M | $277.4M | $34.6M | $2.2M | 1.23% | 4.61% | 0.53% |
| Q1 2026 | $360.6M | $323.1M | $276.0M | $33.3M | $1.0M | 1.17% | 4.53% | 0.49% |
| Q4 2025 | $356.8M | $319.6M | $273.2M | $32.5M | $4.1M | 1.18% | 4.48% | 0.52% |
| Q3 2025 | $355.3M | $317.7M | $261.7M | $33.1M | $3.1M | 1.20% | 4.46% | 0.49% |
| Q2 2025 | $346.2M | $308.6M | $257.4M | $33.4M | $2.0M | 1.18% | 4.41% | 0.46% |
| Q1 2025 | $357.5M | $321.1M | $258.7M | $32.1M | $977K | 1.13% | 4.28% | 0.48% |
| Q4 2024 | $334.3M | $299.3M | $260.4M | $30.7M | $3.6M | 1.10% | 4.30% | 0.49% |
| Q3 2024 | $343.7M | $306.5M | $240.8M | $33.0M | $2.7M | 1.12% | 4.30% | 0.14% |
Loan mix (Q2 2026): real estate $239.4M · commercial $32.6M · consumer $3.7M · securities $35.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | AmeriFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 43rd |
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 | AmeriFirst 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 | AmeriFirst 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 | AmeriFirst 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 | AmeriFirst 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 | AmeriFirst 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.
5 branches in 5 counties across 1 state (+0 vs 2024) · $308.6M branch deposits. Biggest market: Montgomery, AL, ranked 16th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, AL | 1 | $103.5M | 1.22% | 16th |
| Bullock, AL | 1 | $83.6M | 61.39% | 1st |
| Escambia, AL | 1 | $64.5M | 4.76% | 7th |
| 2 more counties with Pro → | ||||
Alabama: 85th with 0.19% · Montgomery metro: 18th, 1.08% · Auburn-Opelika metro: 20th, 0.73% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5