BlastPoint's Banking Scorecard
American Metro Bank
Micro
Specialty: Commercial
IL
FDIC cert 34334
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
American Metro Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.3M
+13.3% YoY
+6.0% QoQ
|
-$97.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$96.4M
+9.9% YoY
+3.1% QoQ
|
-$42.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$92.0M
+11.9% YoY
+3.7% QoQ
|
-$91.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.93%
-11.9% YoY
+0.3% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.99%
-2.8% YoY
+0.1% QoQ
|
+0.14% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
74.35%
-6.2% YoY
-0.7% QoQ
|
+6.63% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
104.69%
-1.8% YoY
-0.5% QoQ
|
+30.16% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.64%
-16.7% YoY
-3.5% QoQ
|
-3.75% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.87%
-0.1% YoY
-0.6% QoQ
|
+7.02% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.15%
-17.7% YoY
+29.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
104.69%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
42
42th pctile
Total Loans
Current: $96.4M · Tier avg: $139.2M
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.64% · Tier avg: 22.39%
30
30th pctile
Efficiency Ratio
Current: 74.35% · Tier avg: 67.73%
29
29th pctile
Total Assets
Current: $120.3M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $92.0M · Tier avg: $183.7M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 104.69% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 104.69% · Tier avg: 74.53%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
26
26th pctile
Total Deposits
Current: $92.0M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $120.3M · Tier avg: $217.5M
30
30th pctile
Efficiency Ratio
Current: 74.35% · Tier avg: 67.73%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.64% · Tier avg: 22.39%
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
42
42th pctile
Total Loans
Current: $96.4M · Tier avg: $139.2M
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%