Charlotte, NC · Cert 34860 · American Bcorp Inc.
State charter, non-member · FDIC · 1 branch
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
96
Asset Quality
85
Profitability
61
Liquidity
59
Efficiency
56
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.
Charlotte, NC · Cert 34860 · American Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (7 in holding)
Q2 2026
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 | -1.06% | -1.61% | -0.47% | -0.46% | -0.62% | -0.13% | 1.64% | 1.88% | +234 bps | |
| Return on Equity | -8.79% | -14.23% | -5.56% | -5.52% | -7.37% | -1.27% | 10.91% | 11.27% | +1,678 bps | |
| Net Interest Margin | 2.16% | 1.98% | 2.15% | 2.15% | 2.38% | 0.50% | 3.07% | 3.29% | +114 bps | |
| Efficiency Ratio | 146.35% | 141.87% | 120.97% | 116.39% | 123.00% | 62.19% | 55.63% | 59.58% | -5,681 bps | |
| Non-Interest Burden | 3.19% | 2.85% | 2.62% | 2.52% | 2.95% | 0.29% | 1.61% | 1.90% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.62% | 25.72% | 35.81% | 26.70% | 16.48% | 31.35% | 21.44% | -5.76% | -3,246 bps | |
| Loan Growth (YoY) | 21.84% | 21.72% | 19.52% | 11.38% | 9.67% | 37.72% | 37.54% | -16.27% | -2,765 bps | |
| Deposit Growth (YoY) | 24.40% | 30.28% | 48.56% | 32.21% | 20.36% | 35.18% | 17.34% | -18.92% | -5,113 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.11% | 0.08% | 0.08% | 0.08% | 0.05% | 0.10% | 0.15% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.88% | 0.88% | 0.88% | 1.10% | 1.07% | 1.10% | +22 bps | |
| Allowance Coverage of NPLs | 7.5x | 8.0x | 10.4x | 11.2x | 11.6x | 20.7x | 10.5x | 7.2x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 9.52% | 8.59% | 8.08% | 8.40% | 15.69% | 13.95% | 15.81% | +773 bps | |
| Total Risk-Based Capital | 16.26% | 14.80% | 14.42% | 14.50% | 14.09% | 20.19% | 20.92% | 33.20% | +1,870 bps | |
| Equity / Assets | 11.23% | 8.88% | 8.07% | 8.36% | 8.54% | 14.94% | 15.12% | 21.01% | +1,266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.98% | 94.75% | 80.46% | 84.52% | 88.36% | 96.53% | 94.32% | 87.28% | +276 bps | |
| Liquid Assets / Assets | 3.34% | 10.44% | 5.77% | 6.17% | 0.79% | 0.65% | 5.00% | 1.11% | -506 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 279% | 266% | n/a | n/a | |
Charlotte, NC · Cert 34860 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (7 in holding)
Q2 2026
Return on Assets
2.31%
Rank 23 of 746
Net Interest Margin
3.29%
Rank 525 of 746
Efficiency Ratio
62.44%
Rank 326 of 746
Equity / Assets
21.01%
Rank 29 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.31% | 0.72% | 1.06% | 1.45% | Beats 97% | 23 / 746 | ||
| Return on Equity | 10.98% | 6.74% | 10.51% | 13.63% | Beats 55% | 339 / 746 | ||
| Net Interest Margin | 3.29% | 3.17% | 3.68% | 4.16% | Beats 30% | 525 / 746 | ||
| Efficiency Ratio | 62.44% | 55.74% | 64.58% | 75.47% | Beats 56% | 326 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 226 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.98% | 11.55% | 13.75% | 17.60% | Beats 96% | 33 / 746 | ||
| Total Risk-Based Capital Ratio | 33.20% | 11.71% | 14.33% | 18.43% | Beats 96% | 31 / 746 | ||
| Equity / Assets | 21.01% | 8.90% | 10.51% | 13.06% | Beats 96% | 29 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.28% | 61.31% | 78.27% | 90.78% | 69th pctl | 234 / 746 | ||
| Loans / Assets | 68.30% | 53.60% | 66.97% | 76.08% | 53rd pctl | 349 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||