| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +4.9% | -8.6 pts |
| Deposit growth (YoY) | -6.8% | +4.3% | -11.2 pts |
| Loan growth (YoY) | -0.7% | +5.3% | -6.0 pts |
| ROA | 2.42% | 1.28% | +1.1 pts |
| ROE | 15.2% | 12.4% | +2.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $722.9M | $591.6M | $272.5M | $123.8M | $9.1M | 2.42% | 2.57% | 0.01% |
| Q1 2026 | $792.5M | $666.7M | $285.3M | $119.2M | $4.5M | 2.36% | 2.50% | 0.01% |
| Q4 2025 | $741.0M | $617.2M | $280.8M | $115.7M | $15.8M | 2.14% | 2.46% | 0.02% |
| Q3 2025 | $732.6M | $613.0M | $270.0M | $112.1M | $12.2M | 2.21% | 2.45% | 0.02% |
| Q2 2025 | $750.4M | $635.0M | $274.3M | $107.8M | $8.1M | 2.20% | 2.47% | 0.02% |
| Q1 2025 | $732.3M | $622.5M | $264.4M | $103.2M | $3.8M | 2.08% | 2.50% | 0.02% |
| Q4 2024 | $723.2M | $615.5M | $269.5M | $99.1M | $15.7M | 2.28% | 2.39% | 0.02% |
| Q3 2024 | $645.9M | $531.1M | $257.3M | $106.4M | $11.1M | 2.19% | 2.39% | 0.01% |
Loan mix (Q2 2026): real estate $221.6M · commercial $2.6M · consumer $37.4M · securities $194.7M
| Ratio | AMG National Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 61.2% | 54th |
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 | AMG National Trust 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 | AMG National Trust 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 | AMG National Trust 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 | AMG National Trust 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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