BlastPoint's Banking Scorecard
American Bank of the Carolinas
Micro
Specialty: Commercial
NC
FDIC cert 59157
Designations: ✓ Community bank
Monroe, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
American Bank of the Carolinas shows strong momentum with 2 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$212.1M
+7.7% YoY
+5.6% QoQ
|
-$5.4M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$151.5M
+19.3% YoY
+1.3% QoQ
|
+$12.3M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$182.9M
+6.1% YoY
+6.0% QoQ
|
-$772K |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.31%
+2.1% YoY
+6.1% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.79%
+6.1% YoY
+2.6% QoQ
|
+0.94% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
63.07%
-7.1% YoY
+0.0% QoQ
|
-4.65% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.83%
+12.5% YoY
-4.4% QoQ
|
+8.30% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
27.16%
-8.2% YoY
-0.8% QoQ
|
+4.77% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
+0.1% YoY
+36.3% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, 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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.16% · Tier avg: 22.39%
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
61
61th pctile
Total Loans
Current: $151.5M · Tier avg: $139.2M
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
55
55th pctile
Total Deposits
Current: $182.9M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $212.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
Top Weaknesses
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Assets
Current: $212.1M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $182.9M · Tier avg: $183.7M
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
61
61th pctile
Total Loans
Current: $151.5M · Tier avg: $139.2M
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.16% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%