BlastPoint's Banking Scorecard
American Bank
Covington, LA
5 branches across LA
American Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 60.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.9% in tier
- - Return on Assets 1.09% below tier average
- - Delinquency Rate 2.51% above tier average
- - Nonperforming Asset Ratio 2.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.3M
+9.8% YoY
+6.4% QoQ
|
-$26.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$235.3M
+3.8% YoY
+4.1% QoQ
|
-$20.4M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$317.3M
+10.3% YoY
+7.4% QoQ
|
-$10.7M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.18%
-90.0% YoY
-84.8% QoQ
|
-1.09% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.2% in tier |
| Net Interest Margin ? |
5.01%
-21.6% YoY
-17.3% QoQ
|
+1.08% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 7.1% in tier |
| Efficiency Ratio ? |
84.98%
+48.3% YoY
+20.7% QoQ
|
+19.69% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate ? |
3.40%
-4.1% YoY
+20.8% QoQ
|
+2.51% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.7% in tier |
| Loan-to-Deposit Ratio ? |
74.17%
-5.9% YoY
-3.1% QoQ
|
-2.46% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
30.62%
-2.9% YoY
+1.1% QoQ
|
+8.60% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
3.28%
-3.2% YoY
+17.7% QoQ
|
+2.64% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.5% in tier |
| Tier 1 Capital Ratio ? |
10.33%
-2.9% YoY
-2.5% QoQ
|
-5.51% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.1% in tier |
| Non-Interest Income / Assets ? |
0.14%
-63.3% YoY
-86.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
71% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.