BlastPoint's Banking Scorecard
AMG National Trust Bank
Community
Specialty: Commercial
CO
FDIC cert 57295
Boulder, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
AMG National Trust Bank has 6 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7% in Community
- + Credit Quality Leader: Top 27% in Community
- + Return on Assets 0.98% above tier
- + Loan-to-Deposit Ratio 37.57% below tier
- + Nonperforming Asset Ratio 0.48% below tier
- + Tier 1 Capital Ratio 11.76% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
- - Credit Risk Growth: Bottom 9% in Community
- - Net Interest Margin 1.20% below tier
- - Non-Interest-Bearing Deposit Share 20.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$741.0M
+2.5% YoY
+1.1% QoQ
|
-$650.5M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$280.8M
+4.2% YoY
+4.0% QoQ
|
-$694.7M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$617.2M
+0.3% YoY
+0.7% QoQ
|
-$547.4M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
2.14%
-6.1% YoY
-3.2% QoQ
|
+0.98% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
2.46%
+3.2% YoY
+0.4% QoQ
|
-1.20% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
65.81%
+3.7% YoY
+1.0% QoQ
|
+3.18% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.06%
+32.5% YoY
+50.7% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
45.50%
+3.9% YoY
+3.3% QoQ
|
-37.57% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.88%
+28.2% YoY
+121.2% QoQ
|
-20.16% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.02%
+34.8% YoY
+55.0% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
22.00%
+23.8% YoY
+0.5% QoQ
|
+11.76% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
6.25%
+2.9% YoY
+33.6% QoQ
|
+5.51% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (6)
Revenue Diversifier
growth
#27 of 371 · Top 7% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
6.25%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.14%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Credit Quality Leader
growth
#101 of 371 · Top 27% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.14%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
45.50%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.00%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Credit Quality Pressure
risk
#30 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#61 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.88%
(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
99
99th pctile
Non-Interest Income / Assets
Current: 6.25% · Tier avg: 0.74%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.50% · Tier avg: 83.06%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.00% · Tier avg: 10.24%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
38
38th pctile
Efficiency Ratio
Current: 65.81% · Tier avg: 62.63%
31
31th pctile
Total Assets
Current: $741.0M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $617.2M · Tier avg: $1.2B
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
4
4th pctile
Total Loans
Current: $280.8M · Tier avg: $975.5M
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.88% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.88% · Tier avg: 21.05%
4
4th pctile
Total Loans
Current: $280.8M · Tier avg: $975.5M
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
30
30th pctile
Total Deposits
Current: $617.2M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $741.0M · Tier avg: $1.4B
38
38th pctile
Efficiency Ratio
Current: 65.81% · Tier avg: 62.63%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.00% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.50% · Tier avg: 83.06%
99
99th pctile
Non-Interest Income / Assets
Current: 6.25% · Tier avg: 0.74%