| Metric | Anthem Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.0% | +4.4% | +29.7 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +18.2% | +5.6% | +12.6 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 2.6% | 11.9% | -9.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.1M | $164.2M | $143.2M | $69.1M | $492K | 0.45% | 4.20% | 0.92% |
| Q1 2026 | $199.1M | $164.9M | $119.9M | $21.4M | $339K | 0.67% | 4.12% | 1.16% |
| Q4 2025 | $202.8M | $171.4M | $123.7M | $21.5M | $2.3M | 1.16% | 4.09% | 1.41% |
| Q3 2025 | $192.6M | $158.8M | $126.4M | $21.4M | $1.9M | 1.28% | 4.19% | 0.51% |
| Q2 2025 | $186.6M | $152.8M | $121.2M | $20.9M | $1.2M | 1.17% | 4.12% | 0.33% |
| Q1 2025 | $201.5M | $175.0M | $118.6M | $20.5M | $591K | 1.14% | 4.13% | 0.63% |
| Q4 2024 | $214.0M | $182.0M | $135.5M | $19.9M | $2.0M | 0.99% | 3.87% | 0.65% |
| Q3 2024 | $210.4M | $182.2M | $134.2M | $20.2M | $1.6M | 1.05% | 3.95% | 0.64% |
Loan mix (Q2 2026): real estate $57.4M · commercial $86.0M · consumer $2.6M · securities $84.3M
| Ratio | Anthem Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 62.9% | 92nd |
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 | Anthem Bank & Trust | 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 | Anthem Bank & Trust | 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 | Anthem Bank & Trust | 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 | Anthem Bank & Trust | 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 | Anthem Bank & Trust | 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.
4 branches in 4 counties across 3 states (+0 vs 2025) · $164.2M branch deposits. Biggest market: Iberville, LA, ranked 4th with 11.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iberville, LA | 1 | $99.1M | 11.62% | 4th |
| Travis, TX | 1 | $32.4M | 0.05% | 69th |
| East Baton Rouge, LA | 1 | $18.0M | 0.08% | 45th |
| 1 more county with Pro → | ||||
Louisiana: 128th with 0.08% · Texas: 671st with 0.00% · Florida: 307th with 0.00% · Baton Rouge metro: 35th, 0.37% · Austin-Round Rock-San Marcos metro: 90th, 0.04% ·
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (32 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jan 7, 2026 | Target | Anthem Financial Corporation | New holding company | Completed | Federal Reserve |