BlastPoint's Banking Scorecard
American Community Bank
Micro
Specialty: Commercial
NY
FDIC cert 35033
Designations: ✓ Community bank
Glen Cove, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
American Community Bank shows strong momentum with 2 strengths and 16.3% YoY asset growth
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
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.4M
+16.3% YoY
+8.2% QoQ
|
+$103.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$235.0M
+5.4% YoY
-1.0% QoQ
|
+$95.9M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$262.1M
+21.0% YoY
+9.7% QoQ
|
+$78.4M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.06%
+10.7% YoY
+0.1% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.60%
+6.1% YoY
-0.1% QoQ
|
+0.75% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
68.30%
-3.6% YoY
-0.4% QoQ
|
+0.57% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.67%
-12.9% YoY
-9.7% QoQ
|
+15.15% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
29.16%
-10.4% YoY
-9.5% QoQ
|
+6.77% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
-37.9% YoY
+43.8% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
60% |
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 (0)
No concerns identified
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%
82
82th pctile
Total Loans
Current: $235.0M · Tier avg: $139.2M
82
82th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 89.67% · Tier avg: 74.53%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.16% · Tier avg: 22.39%
76
76th pctile
Total Assets
Current: $321.4M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $262.1M · Tier avg: $183.7M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
44
44th pctile
Efficiency Ratio
Current: 68.30% · Tier avg: 67.73%
Top Weaknesses
44
44th pctile
Efficiency Ratio
Current: 68.30% · Tier avg: 67.73%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
74
74th pctile
Total Deposits
Current: $262.1M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $321.4M · Tier avg: $217.5M
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.16% · Tier avg: 22.39%
77
77th pctile
Loan-to-Deposit Ratio
Current: 89.67% · Tier avg: 74.53%
82
82th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.85%
82
82th pctile
Total Loans
Current: $235.0M · Tier avg: $139.2M
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%