BlastPoint

BlastPoint's Banking Scorecard

Atlantic Community Bankers Bank

$100M-$1B Specialty: Commercial PA FDIC cert 24829

Camp Hill, PA

3 branches across CT · NJ · PA

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 55 in PA.
  • Deposits +0.5% year over year ($566.2M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 1.32%.
  • Efficiency ratio 71.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Atlantic Community Bankers Bank has 3 strengths but faces 4 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

  • + Revenue Diversifier: Top 11.2% in tier
  • + Non-Interest-Bearing Deposit Share 19.05% above tier average
  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.5% in tier
  • - Flatlined Growth: Bottom 47.6% in tier
  • - Net Interest Margin 0.84% below tier average
  • - Efficiency Ratio 7.49% above tier average
Get updates when Atlantic Community Bankers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $942.0M
-0.6% YoY +2.0% QoQ
+$555.5M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Top 2.1% in tier
Total Loans ? $579.6M
+3.7% YoY +1.5% QoQ
+$321.2M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 6.9% in tier
Total Deposits ? $566.2M
+0.5% YoY -3.6% QoQ
+$239.5M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Top 14.8% in tier
Return on Assets ? 1.32%
+34.2% YoY -20.3% QoQ
+0.00% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 3.15%
+5.3% YoY -0.4% QoQ
-0.84% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 14.6% in tier
Efficiency Ratio ? 71.97%
+3.3% YoY +0.4% QoQ
+7.49% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.54%
-6.7% YoY -1.4% QoQ
-0.38% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 102.36%
+3.2% YoY +5.2% QoQ
+24.41% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 7.6% in tier
Non-Interest-Bearing Deposit Share ? 41.08%
+0.5% YoY -6.7% QoQ
+19.05% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Top 3.9% in tier
Nonperforming Asset Ratio ? 0.33%
-2.7% YoY -2.0% QoQ
-0.34% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 20.38%
+0.7% YoY -0.2% QoQ
+4.47% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 12.9% in tier
Non-Interest Income / Assets ? 1.08%
+8.4% YoY +111.0% QoQ
+0.52% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Top 3.0% in tier

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 41.1%
+0.2pp YoY
-2.9pp QoQ
 +18.9pp 22.1% 18.7% 22.2% 96%
Brokered Deposits 10.9%
+1.9pp YoY
+0.5pp QoQ
 +3.0pp 7.9% 6.8% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 4.1%
+0.3pp YoY
-0.4pp QoQ
 -7.5pp 11.6% 8.6% 12.5% 15%
CRE 89.6%
0.0pp YoY
0.0pp QoQ
 +50.1pp 39.5% 37.9% 41.4% 99%
1-4 Family 4.7%
-0.2pp YoY
-0.1pp QoQ
 -27.9pp 32.6% 47.8% 31.3% 4%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.8% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 20.4%
+0.1pp YoY
0.0pp QoQ
 +1.6pp 18.8% 22.3% 19.7% 79%
Leverage Ratio 15.8%
+1.3pp YoY
+0.2pp QoQ
 +3.6pp 12.2% 13.2% 12.6% 90%
Total Capital Ratio 21.7%
+0.1pp YoY
0.0pp QoQ
 +1.8pp 19.9% 23.3% 20.8% 79%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 125
+15 (+13.6%) YoY
+3 (+2.5%) QoQ
 +66 58 299 482 94%
Assets per Employee ($) $7.5M
-12.5% YoY
-0.4% QoQ
 +$18K $7.5M $9.2M $8.8M 61%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.9% 1.0% 55%
Allowance Coverage 3.03x
-13.7% YoY
-0.1% QoQ
 -21.12x 24.15x 3.63x 20.23x 59%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 8.2%
+1.6pp YoY
-2.1pp QoQ
 -4.0pp 12.2% 10.2% 11.6% 26%
Cost of Funds (YTD) 2.4%
-0.5pp YoY
+0.1pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 87%
Net Income ($, YTD) $6.2M
+35.1% YoY
— QoQ
 +$3.6M $2.6M $18.2M $40.4M 92%

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 (1)

Revenue Diversifier

growth
#75 of 661 • Top 11.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.08%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.32%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk
#101 of 742 • Bottom 13.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.38%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 102.36%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#253 of 529 • Bottom 47.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.32%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

57
Total Assets
size
Value: $942.04M
Peer Median: $386.57M
#57 of 2643 Top 2.1% in $100M-$1B
79
Non-Interest Income / Assets
revenue_mix
Value: 1.08%
Peer Median: 0.57%
#79 of 2643 Top 3.0% in $100M-$1B
104
Non-Interest-Bearing Deposit Share
funding
Value: 41.08%
Peer Median: 22.03%
#104 of 2643 Top 3.9% in $100M-$1B
184
Total Loans
size
Value: $579.59M
Peer Median: $258.35M
#184 of 2643 Top 6.9% in $100M-$1B
341
Tier 1 Capital Ratio
capital
Value: 20.38%
Peer Median: 15.91%
#341 of 2643 Top 12.9% in $100M-$1B
392
Total Deposits
size
Value: $566.23M
Peer Median: $326.73M
#392 of 2643 Top 14.8% in $100M-$1B

Top Weaknesses (2 metrics)

2444
Loan-to-Deposit Ratio
liquidity
Value: 102.36%
Peer Median: 77.95%
#2444 of 2643 Bottom 7.6% in $100M-$1B
2258
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.99%
#2258 of 2643 Bottom 14.6% in $100M-$1B
Powered by BlastPoint © 2026