American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of Allentown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.28% | 1.46% | -0.18% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.33% | 12.72% | -0.39% | 50th above |
| Net Interest Margin | 3.15% | 3.85% | -0.70% | 20th bottom |
| Efficiency Ratio | 46.21% | 57.41% | -11.20% | 84th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.88% | -0.15% | 50th above |
| Yield on Earning Assets | 5.72% | 5.72% | +0.00% | 61st above |
| Cost of Funds | 2.77% | 2.02% | +0.75% | 13th bottom |
| Net Interest Spread | 2.71% | 3.18% | -0.47% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 1.00% | -0.66% | 70th above |
| NPA / Total Assets | 0.30% | 0.76% | -0.46% | 65th above |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 82nd top |
| ACL / Total Loans | 0.93% | 1.31% | -0.38% | 22nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 275.93% | 543.47% | -267.54% | 67th above |
| Texas Ratio | 2.71% | 7.39% | -4.68% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.07% | 17.34% | -5.27% | 26th below |
| Tier 1 Ratio | 12.07% | 17.37% | -5.30% | 26th below |
| Total Capital Ratio | 12.99% | 18.42% | -5.43% | 22nd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.60% | 11.44% | -0.84% | 53rd above |
| Equity / Assets | 10.33% | 11.34% | -1.01% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.33% | 10.50% | -0.17% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.82% | 86.95% | +11.87% | 21st bottom |
| Core Deposit Ratio | 89.05% | 85.55% | +3.50% | 53rd above |
| Uninsured Deposit Ratio | 33.73% | 33.12% | +0.61% | 42nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.68% | 5.70% | -0.02% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.24% | 9.68% | -0.44% | 74th above |
| Loan Growth (Y/Y) | 9.92% | 8.06% | +1.86% | 73rd above |
| Deposit Growth (Y/Y) | 11.28% | 7.87% | +3.41% | 79th top |
See American Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank profile, how to read a UBPR, or how this data updates.