American Federal Bank
Fargo, ND · Cert 29140 · Peer group: banks under $1B in assets operating regionally (n=94) · American Federal Corp.
State savings bank · OCC · 13 branches
Q2 2026
$795.8MAssets
$685.2MLoans
$615.6MDeposits
$71.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
- Widest gap: equity / assets trails 77% of banks under $1B in assets operating regionally (rank 72 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.82%
Rank 72 of 94
Net Interest Margin
3.83%
Rank 45 of 94
Efficiency Ratio
74.11%
Rank 73 of 94
Equity / Assets
8.96%
Rank 72 of 94
Non-interest income vs. expense
Unfavorable gap of $21.1M · efficiency ratio beats 23% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.82% | 1.19% | 1.46% | Beats 23% | 72 / 94 | |
| Return on Equity | 9.11% | 7.85% | 11.84% | 14.03% | Beats 30% | 66 / 94 | |
| Net Interest Margin | 3.83% | 3.42% | 3.81% | 4.18% | Beats 52% | 45 / 94 | |
| Efficiency Ratio | 74.11% | 55.99% | 62.41% | 73.02% | Beats 23% | 73 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.47% | 1.14% | Beats 100% | 6 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 87% | 17 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 12.92% | 10.28% | 11.95% | 15.07% | Beats 60% | 38 / 94 | |
| Total Risk-Based Capital Ratio | 14.17% | 10.31% | 12.59% | 15.88% | Beats 61% | 37 / 94 | |
| Equity / Assets | 8.96% | 8.98% | 10.21% | 11.41% | Beats 23% | 72 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 111.32% | 72.62% | 84.44% | 94.55% | 97th pctl | 3 / 94 | |
| Loans / Assets | 86.10% | 62.50% | 72.84% | 78.99% | 91st pctl | 8 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |