BlastPoint's Banking Scorecard

American Metro Bank

$100M-$1B Specialty: Commercial IL FDIC cert 34334

Designations: ✓ Minority Depository Institution

Chicago, IL

2 branches across IL

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 211 in IL.
Deposits +0.5% year over year ($88.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.07%.
Efficiency ratio 71.61% vs a 64.48% peer average.
Loan-to-deposit ratio 108.30% 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 211 in IL

View $100M-$1B leaderboard (IL) →

American Metro 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

+ Credit Quality Leader: Top 43.4% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 30.35% above tier average
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.26% below tier average
- Efficiency Ratio 7.13% above tier average

Get updates when American Metro Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$119.1M +7.3% YoY +1.0% QoQ	-$267.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 5.4% in tier
Total Loans ?	$95.3M +6.3% YoY -0.7% QoQ	-$163.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$88.0M +0.5% YoY -3.5% QoQ	-$238.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 2.0% in tier
Return on Assets ?	1.07% +18.7% YoY +2.4% QoQ	-0.26%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	4.06% +2.7% YoY +1.7% QoQ	+0.07%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	71.61% -5.5% YoY -0.7% QoQ	+7.13%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	108.30% +5.8% YoY +3.0% QoQ	+30.35%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 3.9% in tier
Non-Interest-Bearing Deposit Share ?	19.52% +2.0% YoY +4.5% QoQ	-2.51%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.10% -17.8% YoY -19.4% QoQ	-2.81%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.07% -12.1% YoY +69.2% QoQ	-0.50%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 9.7% 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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% +0.4pp YoY +0.8pp QoQ	-2.6pp	22.1%	20.1%	22.2%	43%
Brokered Deposits	20.3% +7.5pp YoY -0.6pp QoQ	+12.4pp	7.9%	8.0%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	0.2% -0.4pp YoY 0.0pp QoQ	-11.4pp	11.6%	14.7%	12.5%	1%
CRE	64.7% -0.7pp YoY +1.1pp QoQ	+25.1pp	39.5%	37.9%	41.4%	89%
1-4 Family	34.8% -0.1pp YoY -1.1pp QoQ	+2.1pp	32.6%	28.3%	31.3%	61%
Consumer	n/a	n/a	4.1%	5.4%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	13.1% +0.4pp YoY +0.7pp QoQ	+0.9pp	12.2%	12.2%	12.6%	76%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	18 0 YoY 0 QoQ	-41	58	228	482	8%
Assets per Employee ($)	$6.6M +7.3% YoY +1.0% QoQ	-$903K	$7.5M	$8.3M	$8.8M	45%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	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	5.62x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	7.9% +1.4pp YoY +0.1pp QoQ	-4.3pp	12.2%	10.5%	11.6%	25%
Cost of Funds (YTD)	2.0% -0.3pp YoY -0.1pp QoQ	+0.3pp	1.7%	1.6%	1.7%	72%
Net Income ($, YTD)	$635,000 +29.9% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	14%

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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 (1)

Credit Quality Leader

growth

#287 of 659 • Top 43.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2592

Total Deposits

size

Value: $87.97M

Peer Median: $326.73M

#2592 of 2643 Bottom 2.0% in $100M-$1B

2541

Loan-to-Deposit Ratio

liquidity

Value: 108.30%

Peer Median: 77.95%

#2541 of 2643 Bottom 3.9% in $100M-$1B

2502

Total Assets

size

Value: $119.08M

Peer Median: $386.57M

#2502 of 2643 Bottom 5.4% in $100M-$1B

2388

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2388 of 2643 Bottom 9.7% in $100M-$1B

2193

Total Loans

size

Value: $95.27M

Peer Median: $258.35M

#2193 of 2643 Bottom 17.1% in $100M-$1B