BlastPoint's Banking Scorecard
American Bank and Trust Company, National Association
Davenport, IA
8 branches across IL · IA
American Bank and Trust Company, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.8% in tier
- - Credit Quality Pressure: Bottom 35.6% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 16.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$464.9M
-7.2% YoY
-0.6% QoQ
|
+$78.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$320.3M
-3.2% YoY
+0.9% QoQ
|
+$64.6M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$399.8M
-8.1% YoY
-4.3% QoQ
|
+$71.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.70%
+63.7% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.22%
+7.6% YoY
+3.5% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
82.00%
-16.4% YoY
-7.5% QoQ
|
+16.71% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate ? |
0.55%
+45.4% YoY
|
-0.34% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
80.13%
+5.4% YoY
+5.4% QoQ
|
+3.49% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
30.05%
-14.2% YoY
-5.0% QoQ
|
+8.03% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.38%
+49.6% YoY
|
-0.26% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.59%
+1.2% YoY
+12.1% QoQ
|
-1.24% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.29%
+56.1% YoY
-68.2% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 7.1% 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 (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.