| Metric | Ameriprise Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.9% | +0.3 pts |
| Deposit growth (YoY) | +6.4% | +5.7% | +0.7 pts |
| Loan growth (YoY) | +72.2% | +6.9% | +65.3 pts |
| ROA | 3.05% | 1.23% | +1.8 pts |
| ROE | 51.0% | 11.2% | +39.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.48B | $23.94B | $2.62B | $1.49B | $388.4M | 3.05% | 4.44% | 0.02% |
| Q1 2026 | $25.51B | $23.78B | $2.28B | $1.50B | $194.4M | 3.06% | 4.41% | 0.02% |
| Q4 2025 | $25.31B | $23.67B | $1.93B | $1.58B | $747.5M | 3.08% | 4.46% | 0.01% |
| Q3 2025 | $24.30B | $22.60B | $1.73B | $1.59B | $557.8M | 3.10% | 4.48% | 0.01% |
| Q2 2025 | $24.01B | $22.50B | $1.52B | $1.47B | $371.0M | 3.10% | 4.50% | 0.01% |
| Q1 2025 | $24.18B | $22.67B | $1.40B | $1.35B | $181.7M | 3.04% | 4.45% | 0.01% |
| Q4 2024 | $23.60B | $22.31B | $1.32B | $1.14B | $721.7M | 3.15% | 4.58% | 0.01% |
| Q3 2024 | $23.20B | $21.73B | $1.19B | $1.37B | $544.9M | 3.19% | 4.65% | 0.01% |
Loan mix (Q2 2026): real estate $1.08B · commercial $256.6M · consumer $1.13B · securities $20.10B
| Ratio | Ameriprise Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.05% | 1.23% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 51.0% | 11.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 10.0% | 54.9% | 3rd |
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 | Ameriprise Bank, FSB | 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 | Ameriprise Bank, FSB | 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 | Ameriprise Bank, FSB | 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 | Ameriprise Bank, FSB | 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 | Ameriprise Bank, FSB | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $23.94B branch deposits. Biggest market: Hennepin, MN, ranked 3rd with 15.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 2 | $23.94B | 15.76% | 3rd |
Minnesota: 3rd with 6.73% · Minneapolis-St. Paul-Bloomington metro: 3rd, 8.68% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2