BlastPoint's Banking Scorecard
Amalgamated Bank of Chicago
Community
Specialty: Commercial
IL
FDIC cert 903
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Amalgamated Bank of Chicago has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 35.20% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+2.9% YoY
+13.0% QoQ
|
+$77.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$776.8M
+3.7% YoY
-0.8% QoQ
|
-$198.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$1.3B
+3.5% YoY
+17.2% QoQ
|
+$122.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.00%
+9.4% YoY
+4.3% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.40%
-3.9% YoY
+0.9% QoQ
|
-0.26% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
67.39%
-4.5% YoY
-2.2% QoQ
|
+4.75% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
1.00%
-30.6% YoY
+0.8% QoQ
|
+0.37% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
60.34%
+0.2% YoY
-15.3% QoQ
|
-22.72% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
56.25%
-3.2% YoY
+13.7% QoQ
|
+35.20% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.53%
-31.4% YoY
-11.5% QoQ
|
+0.03% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
16.11%
+7.5% YoY
+4.0% QoQ
|
+5.86% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
1.12%
+0.3% YoY
+17.8% QoQ
|
+0.38% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
56.25%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.34%
(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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 56.25% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.11% · Tier avg: 10.24%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $776.8M · Tier avg: $975.5M
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
34
34th pctile
Efficiency Ratio
Current: 67.39% · Tier avg: 62.63%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.34% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.34% · Tier avg: 83.06%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
34
34th pctile
Efficiency Ratio
Current: 67.39% · Tier avg: 62.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
55
55th pctile
Total Loans
Current: $776.8M · Tier avg: $975.5M
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
83
83th pctile
Tier 1 Capital Ratio
Current: 16.11% · Tier avg: 10.24%
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 56.25% · Tier avg: 21.05%