BlastPoint's Banking Scorecard
American Bank & Trust Company, Inc.
Community
Specialty: Commercial
KY
FDIC cert 35568
Bowling Green, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
American Bank & Trust Company, Inc. faces 1 concern 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 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$875.6M
+2.2% YoY
-1.6% QoQ
|
-$515.9M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$701.0M
+0.2% YoY
+1.0% QoQ
|
-$274.5M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$757.5M
+1.7% YoY
-2.0% QoQ
|
-$407.1M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.05%
+36.6% YoY
+6.6% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.22%
+9.2% YoY
+2.2% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
54.92%
-12.6% YoY
-3.1% QoQ
|
-7.71% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.27%
-9.3% YoY
-21.2% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
92.53%
-1.5% YoY
+3.0% QoQ
|
+9.47% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
11.91%
-0.6% YoY
-6.2% QoQ
|
-9.13% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.22%
-11.1% YoY
-19.1% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.46%
+10.8% YoY
+2.8% QoQ
|
+1.22% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.31%
+6.6% YoY
+38.0% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#37 of 513 · Bottom 7% 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:
92.53%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
73
73th pctile
Efficiency Ratio
Current: 54.92% · Tier avg: 62.63%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.53% · Tier avg: 83.06%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
49
49th pctile
Total Loans
Current: $701.0M · Tier avg: $975.5M
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
43
43th pctile
Total Deposits
Current: $757.5M · Tier avg: $1.2B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 10.24%
41
41th pctile
Total Assets
Current: $875.6M · Tier avg: $1.4B
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 21.05%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
41
41th pctile
Total Assets
Current: $875.6M · Tier avg: $1.4B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 10.24%
43
43th pctile
Total Deposits
Current: $757.5M · Tier avg: $1.2B
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
49
49th pctile
Total Loans
Current: $701.0M · Tier avg: $975.5M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.53% · Tier avg: 83.06%
73
73th pctile
Efficiency Ratio
Current: 54.92% · Tier avg: 62.63%