| Metric | Amistad Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +3.0% | +8.1 pts |
| Deposit growth (YoY) | +11.6% | +2.5% | +9.1 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 0.61% | 0.99% | -0.4 pts |
| ROE | 3.2% | 8.1% | -4.9 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.0M | $45.7M | $36.9M | $10.7M | $171K | 0.61% | 4.99% | 0.00% |
| Q1 2026 | $56.3M | $45.2M | $32.3M | $10.6M | $82K | 0.59% | 4.99% | 0.00% |
| Q4 2025 | $54.9M | $42.6M | $34.7M | $10.6M | $770K | 1.49% | 5.83% | 0.00% |
| Q3 2025 | $53.0M | $41.3M | $35.7M | $10.1M | $606K | 1.58% | 5.87% | 0.00% |
| Q2 2025 | $51.3M | $41.0M | $35.0M | $9.8M | $412K | 1.63% | 5.81% | 0.00% |
| Q1 2025 | $52.2M | $41.9M | $30.7M | $9.6M | $193K | 1.55% | 5.65% | 0.00% |
| Q4 2024 | $47.7M | $37.7M | $29.5M | $9.3M | $355K | 0.77% | 4.41% | 0.00% |
| Q3 2024 | $45.7M | $35.8M | $27.2M | $9.3M | $130K | 0.38% | 3.70% | 0.00% |
Loan mix (Q2 2026): real estate $32.2M · commercial $3.4M · consumer $603K · securities $6.1M
| Ratio | Amistad Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.99% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 8.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 70.8% | 66th |
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 | Amistad 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 | Amistad 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 | Amistad 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 | Amistad 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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