BlastPoint's Banking Scorecard
American Bank
Designations: ✓ Community bank
Allentown, PA
American Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.85% below tier average
- + Nonperforming Asset Ratio 0.62% below tier average
- + Efficiency Ratio 14.03% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.1% in tier
- - Non-Interest-Bearing Deposit Share 12.21% below tier average
- - ROA 0.06% below tier average
- - Net Interest Margin 0.74% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.8% YoY
+0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.7% in tier |
| Total Loans ? |
$853.7M
+5.1% YoY
+1.7% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$903.3M
+11.3% YoY
+0.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.0% in tier |
| Return on Assets ? |
1.31%
+29.8% YoY
-4.5% QoQ
|
-0.06% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
3.08%
+5.5% YoY
+1.7% QoQ
|
-0.74% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
47.03%
-6.5% YoY
-1.6% QoQ
|
-14.03% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Top 14.0% in tier |
| Delinquency Rate ? |
0.04%
-64.3% YoY
-1.7% QoQ
|
-0.85% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 5.3% in tier |
| Loan-to-Deposit Ratio ? |
94.52%
-5.6% YoY
+1.0% QoQ
|
+10.31% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
9.08%
-10.2% YoY
-1.2% QoQ
|
-12.21% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.0% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-84.2% YoY
-40.2% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Top 9.2% in tier |
| Tier 1 Capital Ratio ? |
12.10%
+0.0% YoY
-1.5% QoQ
|
-3.06% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.07%
-1.0% YoY
-84.2% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.