BlastPoint's Banking Scorecard

American Community Bank

$100M-$1B Specialty: Commercial NY FDIC cert 35033

Glen Cove, NY

6 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

American Community Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 47.1% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.8% in tier
- Margin Compression: Bottom 52.8% in tier
- Efficiency Ratio 5.92% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$324.8M +12.9% YoY +1.0% QoQ	-$61.3M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$241.8M +3.9% YoY +2.9% QoQ	-$14.0M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$265.4M +11.2% YoY +1.2% QoQ	-$62.6M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.93% -11.3% YoY -11.7% QoQ	-0.33%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	4.47% -0.5% YoY -2.8% QoQ	+0.54%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	71.21% +3.6% YoY +4.3% QoQ	+5.92%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.10% -6.6% YoY +1.6% QoQ	+14.46%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	29.23% -12.6% YoY +0.2% QoQ	+7.21%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.54% -3.7% YoY -0.4% QoQ	-3.29%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.07% -47.6% YoY -84.1% QoQ	-0.21%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	31%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#314 of 664 • Top 47.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#122 of 643 • Bottom 18.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Margin Compression

decline

#162 of 305 • Bottom 52.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

509

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.93%

#509 of 2664 Top 19.1% in $100M-$1B

537

Non-Interest-Bearing Deposit Share

funding

Value: 29.23%

Peer Median: 22.02%

#537 of 2664 Top 20.1% in $100M-$1B

Top Weaknesses (1 metrics)

2069

Loan-to-Deposit Ratio

liquidity

Value: 91.10%

Peer Median: 76.64%

#2069 of 2664 Bottom 22.4% in $100M-$1B