PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Airlines

Fort Worth, TX · Charter 23957

NCUA · 47 branches

Q2 2026

$9.5BAssets
$5.5BLoans
$8.3BShares
$1.1BNet Worth

Executive Summary

  • Earnings: ROA of 0.91%, up 42 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.60% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.68%, up 63 bps from a year ago.
  • Funding: loans stand at 66.54% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.91%+42 bps YoY

Net Interest Margin (quarter, annualized)

2.29%+35 bps YoY

Efficiency Ratio (quarter, annualized)

58.96%-634 bps YoY

Net Worth / Assets

11.68%+63 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.38%0.38%0.49%0.61%0.73%0.82%0.91%+42 bps
Return on Equity2.82%3.49%3.45%4.43%5.41%6.35%7.15%7.76%+334 bps
Net Interest Margin1.78%1.83%1.89%1.94%2.02%2.13%2.28%2.29%+35 bps
Efficiency Ratio69.73%66.36%66.06%65.30%63.56%60.82%58.20%58.96%-634 bps
Growth
Asset Growth (YoY)5.52%4.95%4.81%3.82%2.55%2.60%1.91%2.63%-119 bps
Loan Growth (YoY)1.62%1.39%1.90%1.43%1.19%0.62%-0.10%1.13%-30 bps
Share Growth (YoY)4.91%4.79%4.38%3.37%1.80%1.72%1.06%1.75%-162 bps
Asset Quality
Delinquent Loans / Loans0.58%0.61%0.48%0.53%0.50%0.63%0.52%0.60%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.96%11.03%10.88%11.05%11.28%11.46%11.49%11.68%+63 bps
Net Worth / Assets10.96%11.03%10.88%11.05%11.28%11.46%11.49%11.68%+63 bps
Liquidity & Funding
Loans / Shares67.90%67.92%66.60%66.95%67.50%67.18%65.83%66.54%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps