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American Metro Bank

Chicago, IL · Cert 34334 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · American Metro Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$119.1MAssets
$96.5MLoans
$88.0MDeposits
$16.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 41 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.07%

Rank 24 of 57

Net Interest Margin

4.23%

Rank 9 of 57

Efficiency Ratio

71.61%

Rank 31 of 57

Equity / Assets

13.75%

Rank 21 of 57

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 47% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 71.61%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.51%0.84%1.19%Beats 58%24 / 57
Return on Equity7.76%3.13%7.76%11.40%Beats 49%29 / 57
Net Interest Margin4.23%3.16%3.63%4.08%Beats 84%9 / 57
Efficiency Ratio71.61%59.57%69.70%81.06%Beats 47%31 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 45%32 / 56
Capital
Tier 1 Capital Ratio13.10%12.24%16.06%19.69%Beats 32%39 / 57
Total Risk-Based Capital Ratio13.10%12.54%16.50%20.95%Beats 28%41 / 57
Equity / Assets13.75%9.37%11.56%15.00%Beats 63%21 / 57
Liquidity & Funding
Loans / Deposits109.69%66.29%85.59%95.16%88th pctl7 / 57
Loans / Assets81.03%57.07%71.07%78.13%81st pctl11 / 57
Brokered Deposits / Depositsn/aNot reported for this institution