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 | |