BlastPoint's Banking Scorecard

American Bank & Trust

$1B-$10B Specialty: Agricultural SD FDIC cert 1117

Designations: ✓ Community bank

Sioux Falls, SD

20 branches across SD · MN · ND

884 banks in the $1B-$10B peer group nationally 15 in SD

American Bank & Trust has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 5.21% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- ROA 0.14% below tier average
- Net Interest Margin 0.09% below tier average

Get updates when American Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.2B +15.6% YoY +4.4% QoQ	-$572.7M	$2.8B -0.1% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$1.5B +9.1% YoY +0.7% QoQ	-$421.2M	$2.0B +0.6% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$2.0B +13.3% YoY +4.8% QoQ	-$385.4M	$2.3B -0.3% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.23% +14.9% YoY -3.8% QoQ	-0.14%	1.37% +19.6% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.72% +7.1% YoY -2.6% QoQ	-0.09%	3.82% +6.9% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	55.85% -7.2% YoY +4.9% QoQ	-5.21%	61.06% -4.6% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.61% +5.1% QoQ	-0.28%	0.89% +14.1% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	78.84% -3.7% YoY -3.9% QoQ	-5.36%	84.20% +0.3% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	13.79% -5.5% YoY +1.7% QoQ	-7.50%	21.29% -2.5% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.42% +1.3% QoQ	-0.25%	0.67% +15.6% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	15.30% +28.0% YoY +4.3% QoQ	+0.14%	15.16% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.13% -10.3% YoY -77.1% QoQ	-0.13%	0.26% +1.6% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

217

Tier 1 Capital Ratio

capital

Value: 15.30%

Peer Median: 15.16%

#217 of 884 Top 24.4% in $1B-$10B

Top Weaknesses (1 metrics)

680

Non-Interest-Bearing Deposit Share

funding

Value: 13.79%

Peer Median: 21.29%

#680 of 884 Bottom 23.2% in $1B-$10B