BlastPoint's Banking Scorecard
American Bank
Community
Specialty: Commercial
PA
FDIC cert 34422
Allentown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
American Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26% in Community
- - Non-Interest-Bearing Deposit Share 11.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.2% YoY
+4.0% QoQ
|
-$314.4M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$839.5M
+5.1% YoY
+1.0% QoQ
|
-$135.9M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$896.8M
+13.0% YoY
+5.2% QoQ
|
-$267.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.37%
+29.3% YoY
+2.5% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.03%
+8.3% YoY
+0.7% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
47.78%
-10.8% YoY
-1.5% QoQ
|
-14.85% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.04%
-81.5% YoY
-1.0% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
93.62%
-6.9% YoY
-4.0% QoQ
|
+10.55% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
9.19%
-12.5% YoY
+6.8% QoQ
|
-11.86% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-73.5% YoY
-68.9% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.29%
+3.2% YoY
-2.4% QoQ
|
+2.04% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.43%
+76.9% YoY
+31.7% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#133 of 513 · Bottom 26% 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:
93.62%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.19%
(Tier avg: 21.05%, National avg: 21.79%)
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
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
88
88th pctile
Efficiency Ratio
Current: 47.78% · Tier avg: 62.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
60
60th pctile
Total Loans
Current: $839.5M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $896.8M · Tier avg: $1.2B
50
50th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 10.24%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.62% · Tier avg: 83.06%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.19% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.19% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.62% · Tier avg: 83.06%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 10.24%
53
53th pctile
Total Deposits
Current: $896.8M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $839.5M · Tier avg: $975.5M
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Efficiency Ratio
Current: 47.78% · Tier avg: 62.63%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%