BlastPoint's Banking Scorecard
American Community Bank & Trust
Community
Specialty: Commercial
IL
FDIC cert 35412
Woodstock, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
American Community Bank & Trust shows strong momentum with 2 strengths and 17.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+17.6% YoY
+4.2% QoQ
|
-$250.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$754.1M
+12.6% YoY
+3.1% QoQ
|
-$221.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$983.6M
+19.3% YoY
+4.6% QoQ
|
-$181.0M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.06%
-7.6% YoY
+12.2% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.80%
+17.8% YoY
+1.5% QoQ
|
+0.14% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
51.99%
-6.5% YoY
-0.1% QoQ
|
-10.65% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
76.66%
-5.6% YoY
-1.5% QoQ
|
-6.40% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
24.62%
-17.7% YoY
-3.7% QoQ
|
+3.58% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
+8.0% YoY
+31.5% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
80
80th pctile
Efficiency Ratio
Current: 51.99% · Tier avg: 62.63%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.66% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.62% · Tier avg: 21.05%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
58
58th pctile
Total Deposits
Current: $983.6M · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $754.1M · Tier avg: $975.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
54
54th pctile
Total Loans
Current: $754.1M · Tier avg: $975.5M
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $983.6M · Tier avg: $1.2B
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.62% · Tier avg: 21.05%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.66% · Tier avg: 83.06%
80
80th pctile
Efficiency Ratio
Current: 51.99% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%