Bremen, GA · Cert 57686 · American Com Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #37 of 81 inst. · $0.3B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.12% | 1.35% | 1.80% | 1.72% | 1.83% | 1.80% | 1.78% | -2 bps | |
| Return on Equity | 8.61% | 8.25% | 9.72% | 12.21% | 11.11% | 11.35% | 10.74% | 10.48% | -174 bps | |
| Net Interest Margin | 3.78% | 3.55% | 3.73% | 4.53% | 4.25% | 4.24% | 4.28% | 4.37% | -16 bps | |
| Efficiency Ratio | 53.74% | 53.39% | 48.96% | 47.12% | 48.60% | 50.86% | 46.80% | 47.96% | +84 bps | |
| Non-Interest Burden | 1.96% | 1.82% | 1.75% | 2.05% | 1.98% | 2.05% | 1.92% | 2.03% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | 7.70% | 3.60% | 3.64% | -3.77% | -9.56% | -4.67% | -0.94% | -458 bps | |
| Loan Growth (YoY) | 7.08% | 8.61% | 4.30% | 1.01% | -9.38% | -7.65% | -5.15% | -4.08% | -509 bps | |
| Deposit Growth (YoY) | 0.68% | 6.57% | 1.43% | 2.58% | -6.07% | -13.16% | -7.65% | -3.13% | -571 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.40% | 3.82% | 3.75% | 2.55% | 3.01% | 2.90% | 2.78% | 2.98% | +43 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.00% | 0.00% | 0.11% | -0.05% | -0.06% | 0.17% | 0.00% | -11 bps | |
| Allowance / Loans | 1.94% | 1.98% | 2.07% | 2.13% | 2.26% | 2.22% | 2.14% | 2.18% | +5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.6x | 0.8x | 0.7x | 0.8x | 0.8x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.19% | 13.69% | 14.12% | 14.97% | 15.59% | 16.38% | 17.16% | 17.09% | +212 bps | |
| Total Risk-Based Capital | 17.38% | 17.40% | 18.13% | 19.33% | 20.82% | 20.84% | 21.26% | 22.16% | +282 bps | |
| Equity / Assets | 13.64% | 13.40% | 14.39% | 15.17% | 15.75% | 16.56% | 16.92% | 17.08% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.76% | 101.24% | 105.90% | 105.68% | 102.02% | 107.67% | 108.78% | 104.65% | -103 bps | |
| Liquid Assets / Assets | 11.63% | 14.97% | 12.36% | 13.05% | 16.71% | 13.12% | 12.70% | 15.93% | +288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | 413% | 409% | n/a | n/a | |