BlastPoint's Banking Scorecard

American Bank of Commerce

$1B-$10B Specialty: Commercial TX FDIC cert 18609

Designations: ✓ Community bank

Wolfforth, TX

13 branches across TX · CO

884 banks in the $1B-$10B peer group nationally 80 in TX

American Bank of Commerce has 3 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

+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.61% below tier average
+ Efficiency Ratio 0.15% below tier average

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average
- Net Interest Margin 0.39% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.8B +19.2% YoY +5.0% QoQ	-$1.0B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$1.2B +31.4% YoY +14.0% QoQ	-$763.7M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$1.4B +4.9% YoY +6.7% QoQ	-$955.0M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.03% +32.7% YoY +10.9% QoQ	-0.34%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.43% +8.2% YoY +4.3% QoQ	-0.39%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	60.91% -13.1% YoY -5.4% QoQ	-0.15%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.04% -69.2% YoY -66.9% QoQ	-0.85%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 5.8% in tier
Loan-to-Deposit Ratio ?	86.52% +25.2% YoY +6.8% QoQ	+2.32%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	30.36% -3.4% YoY -5.0% QoQ	+9.07%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.06% -24.0% YoY -19.5% QoQ	-0.61%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 9.5% in tier
Tier 1 Capital Ratio ?	12.04% -4.2% YoY -8.4% QoQ	-3.12%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.05% -61.8% YoY -86.1% QoQ	-0.21%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 10.5% in tier

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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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#52 of 880 Top 5.8% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#85 of 884 Top 9.5% in $1B-$10B

138

Non-Interest-Bearing Deposit Share

funding

Value: 30.36%

Peer Median: 21.29%

#138 of 884 Top 15.5% in $1B-$10B

Top Weaknesses (1 metrics)

792

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#792 of 884 Bottom 10.5% in $1B-$10B