| Metric | Great American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.9% | -3.8 pts |
| Deposit growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.1 pts |
| ROA | 2.98% | 1.28% | +1.7 pts |
| ROE | 22.2% | 12.4% | +9.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $513.2M | $421.3M | $427.9M | $70.0M | $7.5M | 2.98% | 5.13% | 0.00% |
| Q1 2026 | $504.4M | $416.9M | $414.7M | $65.9M | $3.3M | 2.66% | 4.76% | 0.00% |
| Q4 2025 | $495.9M | $407.4M | $396.5M | $67.1M | $12.8M | 2.56% | 4.73% | 0.00% |
| Q3 2025 | $505.7M | $415.9M | $390.0M | $67.6M | $9.7M | 2.60% | 4.65% | 0.00% |
| Q2 2025 | $507.4M | $417.9M | $406.4M | $64.5M | $6.5M | 2.62% | 4.61% | 0.00% |
| Q1 2025 | $495.7M | $409.8M | $389.5M | $61.2M | $3.1M | 2.55% | 4.47% | 0.00% |
| Q4 2024 | $487.6M | $401.4M | $383.2M | $61.7M | $9.5M | 2.14% | 4.55% | 0.49% |
| Q3 2024 | $473.2M | $387.6M | $388.8M | $60.9M | $7.3M | 2.24% | 4.56% | 0.52% |
Loan mix (Q2 2026): real estate $334.8M · commercial $80.3M · consumer $974K · securities $2.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Great American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.98% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 61.2% | 5th |
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 | Great American 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 | Great American 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 | Great American 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 | Great American 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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