BlastPoint's Banking Scorecard
American Bank
Community
Specialty: Commercial
MT
FDIC cert 20311
Bozeman, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
American Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40% in Community
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$628.8M
-3.8% YoY
+0.3% QoQ
|
-$762.7M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$385.5M
-2.4% YoY
-4.3% QoQ
|
-$589.9M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$563.6M
-3.6% YoY
+0.9% QoQ
|
-$601.0M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.64%
+31.5% YoY
+6.9% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.04%
+9.4% YoY
+1.9% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
59.51%
-10.5% YoY
-2.4% QoQ
|
-3.12% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.00%
-99.9% YoY
-51.8% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
68.41%
+1.2% YoY
-5.2% QoQ
|
-14.66% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
29.02%
-0.7% YoY
-6.1% QoQ
|
+7.98% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.00%
-99.9% YoY
-54.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
15.35%
+12.6% YoY
+6.6% QoQ
|
+5.10% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.26%
+20.6% YoY
+56.2% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#148 of 371 · Top 40% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Deposit Outflow
decline
#79 of 248 · Bottom 32% 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
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.02% · Tier avg: 21.05%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.35% · Tier avg: 10.24%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
59
59th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 62.63%
23
23th pctile
Total Deposits
Current: $563.6M · Tier avg: $1.2B
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
18
18th pctile
Total Assets
Current: $628.8M · Tier avg: $1.4B
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.41% · Tier avg: 83.06%
13
13th pctile
Total Loans
Current: $385.5M · Tier avg: $975.5M
Top Weaknesses
13
13th pctile
Total Loans
Current: $385.5M · Tier avg: $975.5M
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.41% · Tier avg: 83.06%
18
18th pctile
Total Assets
Current: $628.8M · Tier avg: $1.4B
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
23
23th pctile
Total Deposits
Current: $563.6M · Tier avg: $1.2B
59
59th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 62.63%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.35% · Tier avg: 10.24%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.02% · Tier avg: 21.05%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%