BlastPoint's Banking Scorecard
American Bank
Designations: ✓ Community bank
Allentown, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +11.3% year over year ($914.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.28%.
- Efficiency ratio 46.62% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.90% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
- + Efficiency Ratio 13.11% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.07% below tier average
- - ROA 0.11% below tier average
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.2% YoY
+2.5% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$895.7M
+9.9% YoY
+4.9% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$914.8M
+11.3% YoY
+1.3% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.0% in tier |
| Return on Assets ? |
1.28%
-3.2% YoY
-1.7% QoQ
|
-0.11% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.11%
+5.3% YoY
+1.0% QoQ
|
-0.76% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
46.62%
-1.5% YoY
-0.9% QoQ
|
-13.11% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 14.9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.87% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.90%
-1.2% YoY
+3.6% QoQ
|
+12.87% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
9.20%
+0.6% YoY
+1.3% QoQ
|
-12.07% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-92.4% YoY
-53.0% QoQ
|
-0.65% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 6.4% in tier |
| Tier 1 Capital Ratio ? |
12.07%
-3.7% YoY
-0.2% QoQ
|
-2.77% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.11%
-46.4% YoY
+67.5% QoQ
|
-0.41% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.2% in tier |
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.2%
+0.1pp YoY +0.1pp QoQ |
-12.2pp | 21.4% | 18.7% | 22.2% | 9% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.1%
+0.7pp YoY +0.1pp QoQ |
-1.9pp | 14.0% | 8.6% | 12.5% | 55% |
| CRE |
73.1%
+1.0pp YoY +0.7pp QoQ |
+23.1pp | 50.0% | 37.9% | 41.4% | 91% |
| 1-4 Family |
15.5%
-1.6pp YoY -0.7pp QoQ |
-10.9pp | 26.4% | 47.8% | 31.3% | 32% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 3.8% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
-0.5pp YoY 0.0pp QoQ |
-3.5pp | 15.6% | 22.3% | 19.7% | 26% |
| Leverage Ratio |
10.6%
-0.4pp YoY +0.3pp QoQ |
-0.7pp | 11.3% | 13.2% | 12.6% | 52% |
| Total Capital Ratio |
13.0%
-0.5pp YoY 0.0pp QoQ |
-3.7pp | 16.7% | 23.3% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
+1 (+1.5%) YoY +1 (+1.5%) QoQ |
-248 | 313 | 299 | 482 | 2% |
| Assets per Employee ($) |
$16.8M
+7.6% YoY +1.0% QoQ |
+$6.4M | $10.5M | $9.2M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
0.0pp YoY -0.3pp QoQ |
-0.1pp | 12.6% | 10.2% | 11.6% | 53% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 1.8% | 1.7% | 86% |
| Net Income ($, YTD) |
$7.0M
+5.3% YoY — QoQ |
-$12.2M | $19.2M | $18.2M | $40.4M | 23% |
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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.