BlastPoint's Banking Scorecard
American Community Bank
Glen Cove, NY
6 branches across NY
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 48 in NY.
- Deposits +6.2% year over year ($249.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.12%.
- Efficiency ratio 68.41% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.24% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Community Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 44.5% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency Ratio 3.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.5M
+5.5% YoY
-5.6% QoQ
|
-$80.1M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$247.5M
+6.0% YoY
+2.4% QoQ
|
-$10.9M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$249.4M
+6.2% YoY
-6.0% QoQ
|
-$77.4M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.12%
+7.1% YoY
+19.3% QoQ
|
-0.21% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.69%
+4.0% YoY
+5.0% QoQ
|
+0.70% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
68.41%
-0.2% YoY
-3.9% QoQ
|
+3.93% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
99.24%
-0.2% YoY
+8.9% QoQ
|
+21.29% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.87%
-9.0% YoY
+5.6% QoQ
|
+8.84% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.37%
+0.7% YoY
+6.6% QoQ
|
-2.54% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
-32.2% YoY
+111.0% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
33% |
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.9%
-3.1pp YoY +1.6pp QoQ |
+8.7pp | 22.1% | 22.1% | 22.2% | 84% |
| Brokered Deposits |
1.9%
-1.3pp YoY |
-5.9pp | 7.9% | 8.0% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.7%
+0.2pp YoY +0.3pp QoQ |
-8.9pp | 11.6% | 11.0% | 12.5% | 9% |
| CRE |
76.0%
+0.4pp YoY -1.2pp QoQ |
+36.5pp | 39.5% | 46.2% | 41.4% | 96% |
| 1-4 Family |
22.4%
-0.6pp YoY +0.9pp QoQ |
-10.2pp | 32.6% | 36.6% | 31.3% | 35% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.1% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
13.4%
+0.1pp YoY +0.8pp QoQ |
+1.2pp | 12.2% | 13.9% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+5 (+11.6%) YoY 0 QoQ |
-11 | 58 | 914 | 482 | 50% |
| Assets per Employee ($) |
$6.4M
-5.5% YoY -5.6% QoQ |
-$1.1M | $7.5M | $14.8M | $8.8M | 40% |
| Branch Count |
6
+1 (+20.0%) YoY 0 QoQ |
+1 | 4 | 27 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 1.92x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+0.7pp YoY +1.2pp QoQ |
-3.3pp | 12.2% | 7.9% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$1.8M
+19.3% YoY — QoQ |
-$784K | $2.6M | $111.2M | $40.4M | 48% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.