| Metric | One American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -25.9% | +4.4% | -30.3 pts |
| Deposit growth (YoY) | -10.8% | +4.0% | -14.7 pts |
| Loan growth (YoY) | -22.1% | +5.6% | -27.7 pts |
| ROA | -3.96% | 1.24% | -5.2 pts |
| ROE | -47.9% | 11.9% | -59.8 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.2M | $231.5M | $220.9M | $28.3M | $-6.6M | -3.96% | 1.12% | 1.23% |
| Q1 2026 | $360.3M | $240.6M | $263.7M | $26.4M | $-1.7M | -1.94% | 0.94% | 0.59% |
| Q4 2025 | $356.5M | $234.4M | $272.3M | $28.2M | $-5.6M | -1.48% | 1.35% | 0.45% |
| Q3 2025 | $368.4M | $244.0M | $278.2M | $29.8M | $-3.9M | -1.36% | 1.42% | 0.39% |
| Q2 2025 | $385.1M | $259.5M | $283.5M | $30.8M | $-3.2M | -1.65% | 1.26% | 0.35% |
| Q1 2025 | $385.9M | $259.4M | $290.1M | $31.5M | $-1.1M | -1.12% | 1.22% | 0.40% |
| Q4 2024 | $404.8M | $275.7M | $296.4M | $32.5M | $-82K | -0.02% | 1.27% | 0.54% |
| Q3 2024 | $407.5M | $284.3M | $306.0M | $27.2M | $-5.5M | -1.72% | 1.29% | 0.54% |
Loan mix (Q2 2026): real estate $195.0M · commercial $4.2M · consumer $23.1M · securities $20.1M
| Ratio | One American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.96% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -47.9% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.7% | 62.9% | 99th |
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 | One 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 | One 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 | One 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 | One 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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