| Metric | AVB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +4.9% | +10.4 pts |
| Deposit growth (YoY) | +17.0% | +4.3% | +12.6 pts |
| Loan growth (YoY) | +4.3% | +5.3% | -1.0 pts |
| ROA | 0.93% | 1.28% | -0.3 pts |
| ROE | 10.9% | 12.4% | -1.5 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $612.3M | $541.5M | $446.0M | $49.8M | $2.7M | 0.93% | 4.23% | 0.30% |
| Q1 2026 | $574.3M | $505.5M | $430.1M | $48.6M | $1.2M | 0.84% | 4.22% | 0.36% |
| Q4 2025 | $548.0M | $477.5M | $418.9M | $50.0M | $6.0M | 1.13% | 4.37% | 0.34% |
| Q3 2025 | $529.3M | $460.8M | $419.0M | $47.8M | $3.8M | 0.98% | 4.36% | 0.36% |
| Q2 2025 | $531.2M | $463.0M | $427.6M | $44.8M | $2.4M | 0.92% | 4.28% | 0.36% |
| Q1 2025 | $517.4M | $453.4M | $405.6M | $43.4M | $1.1M | 0.82% | 4.13% | 0.38% |
| Q4 2024 | $509.7M | $442.2M | $400.8M | $43.1M | $2.9M | 0.57% | 3.81% | 0.04% |
| Q3 2024 | $526.6M | $462.4M | $414.9M | $43.7M | $2.0M | 0.52% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $390.0M · commercial $51.2M · consumer $3.3M · securities $67.5M
| Ratio | AVB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 61.2% | 79th |
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 | AVB 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 | AVB 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 | AVB 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 | AVB 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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