BlastPoint's Banking Scorecard
Atlantic Community Bankers Bank
Community
Specialty: Commercial
PA
FDIC cert 24829
Camp Hill, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Atlantic Community Bankers Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20% in Community
- + Non-Interest-Bearing Deposit Share 17.12% above tier
- + Tier 1 Capital Ratio 10.42% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 15% in Community
- - Liquidity Strain: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$939.5M
+4.8% YoY
-1.7% QoQ
|
-$452.0M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$549.4M
+2.4% YoY
-0.9% QoQ
|
-$426.1M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$571.0M
+2.5% YoY
-3.5% QoQ
|
-$593.6M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.04%
+37.2% YoY
+3.5% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.99%
+5.4% YoY
+1.2% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
69.02%
-2.6% YoY
-1.0% QoQ
|
+6.39% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.59%
-60.5% YoY
+0.9% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
96.21%
-0.1% YoY
+2.7% QoQ
|
+13.15% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
38.16%
-1.7% YoY
+1.3% QoQ
|
+17.12% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-61.4% YoY
+1.7% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
20.67%
+2.1% YoY
+1.1% QoQ
|
+10.42% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
2.07%
+34.3% YoY
+38.2% QoQ
|
+1.33% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#75 of 371 · Top 20% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.07%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.04%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.16%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#40 of 268 · Bottom 15% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
96.21%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#115 of 513 · Bottom 22% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.21%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.74%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.16% · Tier avg: 21.05%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.67% · Tier avg: 10.24%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
45
45th pctile
Total Assets
Current: $939.5M · Tier avg: $1.4B
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
37
37th pctile
Total Loans
Current: $549.4M · Tier avg: $975.5M
29
29th pctile
Efficiency Ratio
Current: 69.02% · Tier avg: 62.63%
25
25th pctile
Total Deposits
Current: $571.0M · Tier avg: $1.2B
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.21% · Tier avg: 83.06%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
Top Weaknesses
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.21% · Tier avg: 83.06%
25
25th pctile
Total Deposits
Current: $571.0M · Tier avg: $1.2B
29
29th pctile
Efficiency Ratio
Current: 69.02% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $549.4M · Tier avg: $975.5M
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
45
45th pctile
Total Assets
Current: $939.5M · Tier avg: $1.4B
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.67% · Tier avg: 10.24%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.16% · Tier avg: 21.05%
96
96th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.74%