BlastPoint's Banking Scorecard
American Bank of Commerce
Community
Specialty: Commercial
TX
FDIC cert 18609
Wolfforth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American Bank of Commerce has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34% in Community
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+16.4% YoY
+1.2% QoQ
|
+$300.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.1B
+19.5% YoY
+8.6% QoQ
|
+$78.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.3B
-2.3% YoY
-2.1% QoQ
|
+$136.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.93%
+51.3% YoY
+2.1% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.29%
+16.1% YoY
+2.7% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
64.36%
-13.5% YoY
-2.0% QoQ
|
+1.73% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.12%
-31.4% YoY
-19.3% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
81.02%
+22.3% YoY
+10.9% QoQ
|
-2.04% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
31.96%
-2.3% YoY
+0.8% QoQ
|
+10.91% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-29.6% YoY
-13.4% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
13.14%
+2.0% YoY
-4.7% QoQ
|
+2.90% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.37%
+24.1% YoY
+19.2% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#128 of 371 · Top 34% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Deposit Outflow
decline
#86 of 248 · Bottom 34% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.96% · Tier avg: 21.05%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.02% · Tier avg: 83.06%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.36% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
Top Weaknesses
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
43
43th pctile
Efficiency Ratio
Current: 64.36% · Tier avg: 62.63%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.02% · Tier avg: 83.06%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.96% · Tier avg: 21.05%