BlastPoint's Banking Scorecard
American Bank
Micro
Specialty: Commercial
LA
FDIC cert 19234
Designations: ✓ Community bank
Covington, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
American Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.20% above tier
- + Non-Interest Income / Assets 0.49% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.17% above tier
- - Nonperforming Asset Ratio 2.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$337.7M
+2.7% YoY
+0.7% QoQ
|
+$120.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$226.1M
-6.2% YoY
+2.3% QoQ
|
+$86.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$295.4M
+1.7% YoY
+0.1% QoQ
|
+$111.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.18%
+61.2% YoY
+20.1% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
6.06%
+16.3% YoY
+1.9% QoQ
|
+2.20% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
70.42%
-7.9% YoY
-1.4% QoQ
|
+2.69% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.81%
-24.1% YoY
+21.3% QoQ
|
+2.17% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
76.55%
-7.7% YoY
+2.3% QoQ
|
+2.03% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
30.29%
-9.3% YoY
-2.7% QoQ
|
+7.90% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
2.79%
-23.6% YoY
+14.3% QoQ
|
+2.34% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.05%
+38.7% YoY
+41.6% QoQ
|
+0.49% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.06%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.05%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.81%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.79%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Net Interest Margin
Current: 6.06% · Tier avg: 3.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.56%
80
80th pctile
Total Deposits
Current: $295.4M · Tier avg: $183.7M
80
80th pctile
Total Loans
Current: $226.1M · Tier avg: $139.2M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.29% · Tier avg: 22.39%
79
79th pctile
Total Assets
Current: $337.7M · Tier avg: $217.5M
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.55% · Tier avg: 74.53%
39
39th pctile
Efficiency Ratio
Current: 70.42% · Tier avg: 67.73%
8
8th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.79% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.79% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.64%
39
39th pctile
Efficiency Ratio
Current: 70.42% · Tier avg: 67.73%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.55% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
79
79th pctile
Total Assets
Current: $337.7M · Tier avg: $217.5M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.29% · Tier avg: 22.39%
80
80th pctile
Total Loans
Current: $226.1M · Tier avg: $139.2M
80
80th pctile
Total Deposits
Current: $295.4M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.56%
98
98th pctile
Net Interest Margin
Current: 6.06% · Tier avg: 3.85%