BlastPoint's Banking Scorecard
American Bank and Trust Company, National Association
Micro
Specialty: Commercial
IA
FDIC cert 34955
Designations: ✓ Community bank
Davenport, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
American Bank and Trust Company, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 20.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.9M
-10.0% YoY
-8.5% QoQ
|
+$250.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$317.5M
-5.4% YoY
-2.5% QoQ
|
+$178.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$417.7M
-11.2% YoY
+2.0% QoQ
|
+$234.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.43%
+12.4% YoY
+7.0% QoQ
|
-0.66% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.11%
+3.9% YoY
+0.5% QoQ
|
-0.75% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
88.69%
+7.2% YoY
-2.0% QoQ
|
+20.96% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.04%
-80.3% YoY
-92.5% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
76.01%
+6.6% YoY
-4.5% QoQ
|
+1.48% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
31.62%
-14.0% YoY
-1.2% QoQ
|
+9.23% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.03%
-78.2% YoY
-91.4% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.02%
-9.2% YoY
-15.7% QoQ
|
+4.17% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.90%
+16.9% YoY
+55.4% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.69%
(Tier avg: 67.73%, National avg: 65.09%)
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
Total Deposits
Current: $417.7M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $467.9M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $317.5M · Tier avg: $139.2M
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.62% · Tier avg: 22.39%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.01% · Tier avg: 74.53%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.69% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.69% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.01% · Tier avg: 74.53%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 8.85%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.62% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
95
95th pctile
Total Loans
Current: $317.5M · Tier avg: $139.2M
96
96th pctile
Total Assets
Current: $467.9M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $417.7M · Tier avg: $183.7M