| Metric | Andrew Johnson Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.4 pts |
| Loan growth (YoY) | +2.6% | +5.3% | -2.7 pts |
| ROA | 1.54% | 1.28% | +0.3 pts |
| ROE | 15.9% | 12.4% | +3.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $611.9M | $545.9M | $446.3M | $62.2M | $4.8M | 1.54% | 4.33% | 0.61% |
| Q1 2026 | $626.1M | $562.5M | $433.5M | $59.3M | $2.3M | 1.47% | 4.14% | 1.05% |
| Q4 2025 | $613.8M | $551.1M | $438.4M | $58.7M | $8.0M | 1.32% | 4.14% | 0.62% |
| Q3 2025 | $615.9M | $555.7M | $438.2M | $56.1M | $6.1M | 1.36% | 4.09% | 0.64% |
| Q2 2025 | $603.3M | $546.2M | $434.8M | $53.3M | $3.9M | 1.34% | 4.03% | 0.64% |
| Q1 2025 | $596.0M | $541.2M | $423.0M | $50.8M | $1.9M | 1.28% | 3.90% | 0.65% |
| Q4 2024 | $574.2M | $520.9M | $418.3M | $49.1M | $6.1M | 1.06% | 3.65% | 0.04% |
| Q3 2024 | $584.3M | $530.4M | $415.5M | $49.7M | $4.3M | 1.00% | 3.58% | 0.06% |
Loan mix (Q2 2026): real estate $438.5M · commercial $10.9M · consumer $3.7M · securities $95.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Andrew Johnson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.4% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 61.2% | 28th |
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 | Andrew Johnson 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 | Andrew Johnson 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 | Andrew Johnson 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 | Andrew Johnson 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.