BlastPoint's Banking Scorecard
American Metro Bank
Designations: ✓ Minority Depository Institution
Chicago, IL
2 branches across IL
American Metro Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 46.5% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.3% in tier
- - ROA 0.23% below tier average
- - Efficiency Ratio 6.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.9M
+7.7% YoY
-2.0% QoQ
|
-$268.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.3% in tier |
| Total Loans ? |
$95.9M
+7.2% YoY
-0.4% QoQ
|
-$159.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$91.2M
+3.3% YoY
-0.9% QoQ
|
-$236.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.0% in tier |
| Return on Assets ? |
1.04%
+38.2% YoY
+12.3% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
3.99%
+3.5% YoY
-0.0% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
72.09%
-8.7% YoY
-3.0% QoQ
|
+6.80% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
105.20%
+3.8% YoY
+0.5% QoQ
|
+28.56% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.68%
+17.7% YoY
+0.2% QoQ
|
-3.34% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.26%
+1.8% YoY
+2.4% QoQ
|
+0.43% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.04%
+1.2% YoY
-72.8% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.2% in tier |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.