BlastPoint's Banking Scorecard
American Bank, National Association
Community
Specialty: Agricultural
IA
FDIC cert 5800
Le Mars, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
American Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38% in Community
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$554.1M
+2.9% YoY
+3.6% QoQ
|
-$837.3M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$495.4M
+7.5% YoY
+5.3% QoQ
|
-$480.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$456.4M
+8.6% YoY
+2.6% QoQ
|
-$708.2M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.49%
+57.7% YoY
+9.1% QoQ
|
+0.33% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.30%
+14.6% YoY
+1.1% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
55.30%
-19.9% YoY
-4.0% QoQ
|
-7.33% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.10%
-31.6% YoY
-3.8% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
108.55%
-1.0% YoY
+2.6% QoQ
|
+25.49% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.17%
-5.5% YoY
+26.0% QoQ
|
-8.87% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.09%
-28.6% YoY
-2.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.39%
+1.9% YoY
+0.1% QoQ
|
+1.14% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.39%
-18.7% YoY
+54.5% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#142 of 371 · Top 38% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
108.55%
(Tier avg: 83.06%, National avg: 78.04%)
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
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
72
72th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 62.63%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
30
30th pctile
Total Loans
Current: $495.4M · Tier avg: $975.5M
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.17% · Tier avg: 21.05%
8
8th pctile
Total Assets
Current: $554.1M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $456.4M · Tier avg: $1.2B
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.55% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.55% · Tier avg: 83.06%
6
6th pctile
Total Deposits
Current: $456.4M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $554.1M · Tier avg: $1.4B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.17% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
30
30th pctile
Total Loans
Current: $495.4M · Tier avg: $975.5M
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 10.24%
72
72th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 62.63%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%