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 | |