BlastPoint's Banking Scorecard

American Bank

$100M-$1B Specialty: Commercial MT FDIC cert 20311

Bozeman, MT

6 branches across MT

2664 banks in the $100M-$1B peer group nationally 22 in MT

American Bank has 4 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.10% above tier average
+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 3.2% in tier
- Efficiency Ratio 0.61% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$608.5M -8.3% YoY -3.2% QoQ	+$222.4M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$380.2M -5.4% YoY -1.4% QoQ	+$124.5M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$543.3M -8.2% YoY -3.6% QoQ	+$215.3M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.37% +17.5% YoY -16.9% QoQ	+0.10%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	4.06% +16.5% YoY +0.5% QoQ	+0.13%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	65.90% -1.1% YoY +10.7% QoQ	+0.61%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	69.98% +3.1% YoY +2.3% QoQ	-6.66%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	27.89% -11.8% YoY -3.9% QoQ	+5.87%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.54% +13.4% YoY +1.3% QoQ	-0.29%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.06% +9.8% YoY -78.8% QoQ	-0.22%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	23%

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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 (1)

Deposit Outflow

decline

#17 of 506 • Bottom 3.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

447

Total Deposits

size

Value: $543.25M

Peer Median: $327.97M

#447 of 2664 Top 16.7% in $100M-$1B

503

Total Assets

size

Value: $608.48M

Peer Median: $386.08M

#503 of 2664 Top 18.8% in $100M-$1B

593

Total Loans

size

Value: $380.19M

Peer Median: $255.72M

#593 of 2664 Top 22.2% in $100M-$1B

639

Non-Interest-Bearing Deposit Share

funding

Value: 27.89%

Peer Median: 22.02%

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (1 metrics)

2063

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2063 of 2664 Bottom 22.6% in $100M-$1B