Rochester, IN · Cert 31516 · American MW Financial Corp.
State savings bank · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
65
Profitability
38
Liquidity
0
Efficiency
25
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rochester, IN · Cert 31516 · American MW Financial Corp.
State savings bank · OCC · 6 branches
Q2 2026
Market Position · South Bend-Mishawaka, IN-MI · 2026 SOD (annual) · 0.5% share · #14 of 17 inst. · $0.0B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.45% | 0.82% | 0.83% | 0.83% | 0.84% | 0.83% | 0.97% | +15 bps | |
| Return on Equity | 3.80% | 5.32% | 9.19% | 9.24% | 9.18% | 9.39% | 9.29% | 10.85% | +161 bps | |
| Net Interest Margin | 2.31% | 2.38% | 2.70% | 2.82% | 2.81% | 2.86% | 3.05% | 3.09% | +27 bps | |
| Efficiency Ratio | 86.32% | 85.45% | 76.87% | 75.74% | 76.39% | 75.64% | 79.13% | 75.61% | -13 bps | |
| Non-Interest Burden | 1.83% | 1.85% | 1.71% | 1.75% | 1.78% | 1.80% | 2.14% | 1.97% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 2.64% | -2.75% | -0.18% | -0.77% | 1.38% | 9.73% | 5.63% | +581 bps | |
| Loan Growth (YoY) | 6.48% | 5.97% | -0.84% | 0.95% | 0.85% | 2.44% | 9.45% | 5.62% | +468 bps | |
| Deposit Growth (YoY) | 9.90% | 5.71% | -3.62% | -3.43% | -7.53% | 1.08% | 10.54% | 13.30% | +1,674 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.09% | 1.01% | 0.75% | 0.99% | 0.88% | 0.95% | 0.94% | +19 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.03% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.10% | 1.02% | 1.07% | 1.05% | 1.04% | 1.05% | 1.02% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.1x | 1.4x | 1.1x | 1.2x | 1.1x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 8.84% | 9.19% | 9.63% | 9.53% | 9.24% | 9.21% | 9.31% | -33 bps | |
| Total Risk-Based Capital | 14.62% | 14.76% | 15.44% | 15.45% | 15.05% | 15.11% | 14.82% | 9.31% | -615 bps | |
| Equity / Assets | 8.38% | 8.54% | 9.22% | 9.09% | 9.18% | 8.92% | 8.85% | 9.20% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.09% | 107.41% | 107.70% | 117.90% | 116.80% | 108.86% | 106.64% | 109.91% | -799 bps | |
| Liquid Assets / Assets | 4.48% | 3.79% | 3.00% | 2.89% | 2.68% | 2.59% | 2.45% | 2.07% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 166.98% | 189.55% | 185.85% | n/a | n/a | |
Rochester, IN · Cert 31516 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American MW Financial Corp.
State savings bank · OCC · 6 branches
Q2 2026
Return on Assets
0.97%
Rank 422 of 746
Net Interest Margin
3.09%
Rank 588 of 746
Efficiency Ratio
75.61%
Rank 562 of 746
Equity / Assets
9.20%
Rank 532 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 43% | 422 / 746 | ||
| Return on Equity | 10.55% | 6.74% | 10.51% | 13.63% | Beats 50% | 371 / 746 | ||
| Net Interest Margin | 3.09% | 3.17% | 3.68% | 4.16% | Beats 21% | 588 / 746 | ||
| Efficiency Ratio | 75.61% | 55.74% | 64.58% | 75.47% | Beats 25% | 562 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.07% | Beats 29% | 529 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.31% | 11.55% | 13.75% | 17.60% | Beats 2% | 729 / 746 | ||
| Total Risk-Based Capital Ratio | 9.31% | 11.71% | 14.33% | 18.43% | Beats 2% | 729 / 746 | ||
| Equity / Assets | 9.20% | 8.90% | 10.51% | 13.06% | Beats 29% | 532 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.91% | 61.31% | 78.27% | 90.78% | 97th pctl | 24 / 746 | ||
| Loans / Assets | 86.51% | 53.60% | 66.97% | 76.08% | 97th pctl | 23 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||