American Bank of the Carolinas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of the Carolinas of Monroe, NC against its peer group of 2672 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.69% | 13.31% | -0.62% | 52nd above |
| Net Interest Margin | 4.79% | 3.93% | +0.86% | 88th top |
| Efficiency Ratio | 57.69% | 61.14% | -3.45% | 61st above |
| PPNR / Avg Assets | 2.04% | 1.68% | +0.36% | 74th above |
| Yield on Earning Assets | 6.09% | 5.67% | +0.42% | 72nd above |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 4.16% | 3.32% | +0.84% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.27% | 12.14% | +0.13% | 68th above |
| Equity / Assets | 12.30% | 11.37% | +0.93% | 74th above |
| TCE / Tangible Assets | 12.30% | 11.09% | +1.21% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.53% | 80.63% | +10.90% | 25th below |
| Core Deposit Ratio | 83.80% | 86.86% | -3.06% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.01% | 6.85% | +1.16% | 75th top |
| Loan Growth (Y/Y) | 17.77% | 7.90% | +9.87% | 90th top |
| Deposit Growth (Y/Y) | 7.63% | 6.29% | +1.34% | 74th above |
See American Bank of the Carolinas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank of the Carolinas, 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 of the Carolinas profile, how to read a UBPR, or how this data updates.