| Metric | Habib American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.5% | +0.6 pts |
| Deposit growth (YoY) | +6.3% | +5.1% | +1.2 pts |
| Loan growth (YoY) | +13.4% | +5.9% | +7.5 pts |
| ROA | 0.99% | 1.26% | -0.3 pts |
| ROE | 11.3% | 12.2% | -0.8 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.84B | $2.43B | $1.90B | $252.2M | $14.2M | 0.99% | 2.32% | 0.49% |
| Q1 2026 | $2.98B | $2.58B | $1.86B | $251.4M | $6.8M | 0.96% | 2.24% | 0.87% |
| Q4 2025 | $2.74B | $2.35B | $1.83B | $244.4M | $22.0M | 0.82% | 2.01% | 0.76% |
| Q3 2025 | $2.66B | $2.26B | $1.75B | $239.0M | $17.1M | 0.86% | 1.96% | 0.31% |
| Q2 2025 | $2.68B | $2.29B | $1.68B | $232.5M | $10.9M | 0.82% | 1.89% | 0.18% |
| Q1 2025 | $2.86B | $2.48B | $1.62B | $234.3M | $5.2M | 0.78% | 1.80% | 0.25% |
| Q4 2024 | $2.45B | $2.08B | $1.60B | $229.6M | $14.6M | 0.58% | 1.58% | 0.30% |
| Q3 2024 | $2.61B | $2.23B | $1.56B | $224.3M | $11.1M | 0.58% | 1.52% | 0.26% |
Loan mix (Q2 2026): real estate $1.84B · commercial $31.2M · consumer $4.0M · securities $324.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Habib American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 59.0% | 40th |
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 | Habib 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 | Habib 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 | Habib 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 | Habib 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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