BlastPoint's Banking Scorecard
American Bank of Commerce
Designations: ✓ Community bank
Wolfforth, TX
13 branches across TX · CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +5.5% year over year ($1.4B on the books).
- Delinquency rate 0.15%.
- Return on assets 1.04%.
- Efficiency ratio 59.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 86.42% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Bank of Commerce has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.7% in tier
- + Efficiency Ratio 0.18% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+12.4% YoY
+4.8% QoQ
|
-$931.1M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$1.2B
+33.4% YoY
+3.9% QoQ
|
-$715.5M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$1.4B
+5.5% YoY
+4.0% QoQ
|
-$875.1M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.04%
+24.7% YoY
+1.1% QoQ
|
-0.35% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.50%
+11.9% YoY
+1.9% QoQ
|
-0.37% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
59.55%
-12.2% YoY
-2.2% QoQ
|
-0.18% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.15%
-4.0% YoY
+276.0% QoQ
|
-0.71% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
86.42%
+26.4% YoY
-0.1% QoQ
|
+1.39% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
28.49%
-5.2% YoY
-6.2% QoQ
|
+7.22% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.14%
+50.1% YoY
+119.3% QoQ
|
-0.54% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
9.65%
-30.5% YoY
-19.9% QoQ
|
-5.19% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.9% in tier |
| Non-Interest Income / Assets ? |
0.11%
-45.4% YoY
+106.3% QoQ
|
-0.42% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.5%
-1.6pp YoY -1.9pp QoQ |
+7.1pp | 21.4% | 29.2% | 22.2% | 81% |
| Brokered Deposits |
6.2%
+1.1pp YoY -0.7pp QoQ |
-3.2pp | 9.5% | 8.0% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.7%
+2.7pp YoY +0.3pp QoQ |
+4.7pp | 14.0% | 14.8% | 12.5% | 77% |
| CRE |
73.6%
-0.2pp YoY -0.2pp QoQ |
+23.6pp | 50.0% | 48.4% | 41.4% | 92% |
| 1-4 Family |
8.4%
-2.1pp YoY -0.1pp QoQ |
-18.0pp | 26.4% | 25.8% | 31.3% | 12% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 4.7% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.8pp YoY -0.3pp QoQ |
-1.7pp | 11.3% | 12.6% | 12.6% | 27% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
171
+11 (+6.9%) YoY +5 (+3.0%) QoQ |
-143 | 313 | 186 | 482 | 31% |
| Assets per Employee ($) |
$10.9M
+5.2% YoY +1.7% QoQ |
+$408K | $10.5M | $10.1M | $8.8M | 72% |
| Branch Count |
13
0 YoY -1 (-7.1%) QoQ |
-7 | 20 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 69% |
| Nonaccrual |
0.1%
-0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 9% |
| Allowance Coverage |
8.02x
-3.8% YoY -73.0% QoQ |
-10.69x | 18.71x | 18.82x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+0.5pp YoY +0.2pp QoQ |
+0.4pp | 12.6% | 13.2% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.2%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$9.2M
+44.5% YoY — QoQ |
-$10.0M | $19.2M | $15.9M | $40.4M | 36% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.