BlastPoint's Banking Scorecard
American Bank
Bozeman, MT
6 branches across MT
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits +0.2% year over year ($564.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.37%.
- Efficiency ratio 66.05% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 1.57% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$630.4M
-0.2% YoY
+3.6% QoQ
|
+$243.8M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$389.9M
-3.4% YoY
+2.5% QoQ
|
+$131.5M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$564.0M
+0.2% YoY
+3.8% QoQ
|
+$237.2M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Top 14.9% in tier |
| Return on Assets ? |
1.37%
+7.1% YoY
+0.2% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.11%
+12.0% YoY
+1.1% QoQ
|
+0.12% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
66.05%
+1.7% YoY
+0.2% QoQ
|
+1.57% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
69.13%
-3.6% YoY
-1.2% QoQ
|
-8.82% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
31.15%
-6.0% YoY
+11.7% QoQ
|
+9.12% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.36%
+10.8% YoY
-1.2% QoQ
|
-0.55% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.11%
+1.7% YoY
+94.2% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
21% |
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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.1%
-2.0pp YoY +3.3pp QoQ |
+9.0pp | 22.1% | 26.8% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.8%
+3.7pp YoY +3.2pp QoQ |
+13.2pp | 11.6% | 14.3% | 12.5% | 93% |
| CRE |
55.0%
-3.1pp YoY -0.7pp QoQ |
+15.5pp | 39.5% | 42.8% | 41.4% | 78% |
| 1-4 Family |
16.3%
-0.3pp YoY -2.2pp QoQ |
-16.3pp | 32.6% | 26.0% | 31.3% | 22% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 2.7% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
+1.5pp YoY -0.2pp QoQ |
-3.5pp | 18.8% | 22.4% | 19.7% | 53% |
| Leverage Ratio |
11.1%
+1.2pp YoY +0.2pp QoQ |
-1.1pp | 12.2% | 13.2% | 12.6% | 52% |
| Total Capital Ratio |
16.6%
+1.5pp YoY -0.2pp QoQ |
-3.3pp | 19.9% | 23.5% | 20.8% | 54% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
78
-1 (-1.3%) YoY -2 (-2.5%) QoQ |
+19 | 58 | 284 | 482 | 76% |
| Assets per Employee ($) |
$8.1M
+1.1% YoY +6.3% QoQ |
+$563K | $7.5M | $8.1M | $8.8M | 69% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 21 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.0% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-2.5pp YoY 0.0pp QoQ |
+2.4pp | 12.2% | 14.2% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 32% |
| Net Income ($, YTD) |
$4.3M
+2.6% YoY — QoQ |
+$1.7M | $2.6M | $14.9M | $40.4M | 82% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.