BlastPoint's Banking Scorecard
American Commerce Bank, National Association
Micro
Specialty: Commercial
GA
FDIC cert 57686
Designations: ✓ Community bank
Bremen, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
American Commerce Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.88% below tier
- + Loan-to-Deposit Ratio 30.75% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.32% above tier
- - Non-Interest-Bearing Deposit Share 15.07% below tier
- - Nonperforming Asset Ratio 2.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$485.0M
-9.6% YoY
-2.1% QoQ
|
+$267.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$405.5M
-7.9% YoY
+2.1% QoQ
|
+$266.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$385.1M
-13.2% YoY
-3.3% QoQ
|
+$201.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.67%
+37.4% YoY
+3.3% QoQ
|
+0.58% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.31%
+13.1% YoY
+0.5% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
48.84%
-8.9% YoY
+1.4% QoQ
|
-18.88% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
2.96%
-24.0% YoY
-3.9% QoQ
|
+2.32% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
105.28%
+6.1% YoY
+5.6% QoQ
|
+30.75% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.32%
+22.5% YoY
+4.3% QoQ
|
-15.07% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
2.57%
-22.6% YoY
-0.4% QoQ
|
+2.12% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
19.58%
+21.3% YoY
+0.1% QoQ
|
+10.73% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.17%
+17.5% YoY
+48.2% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.84%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
105.28%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.96%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.32%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 0.45%, National avg: 0.48%)
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
Total Loans
Current: $405.5M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $485.0M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $385.1M · Tier avg: $183.7M
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.28% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 48.84% · Tier avg: 67.73%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.58% · Tier avg: 8.85%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.32% · Tier avg: 22.39%
7
7th pctile
Delinquency Rate
Current: 2.96% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.96% · Tier avg: 0.64%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.32% · Tier avg: 22.39%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.58% · Tier avg: 8.85%
91
91th pctile
Efficiency Ratio
Current: 48.84% · Tier avg: 67.73%
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.28% · Tier avg: 74.53%
95
95th pctile
Total Deposits
Current: $385.1M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $485.0M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $405.5M · Tier avg: $139.2M