BlastPoint's Banking Scorecard
American Community Bank & Trust
Designations: ✓ Community bank
Woodstock, IL
5 branches across IL
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 49 in IL.
- Deposits +13.4% year over year ($1.0B on the books).
- Delinquency rate 1.01%.
- Return on assets 1.38%.
- Efficiency ratio 50.99% vs a 59.73% peer average.
- Loan-to-deposit ratio 77.68% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Community Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.74% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+12.5% YoY
+0.4% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$787.9M
+8.1% YoY
+1.9% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.3% in tier |
| Total Deposits ? |
$1.0B
+13.4% YoY
+0.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.38%
+94.0% YoY
-4.6% QoQ
|
-0.01% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.89%
+5.9% YoY
+0.1% QoQ
|
+0.02% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
50.99%
-3.6% YoY
+4.8% QoQ
|
-8.74% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
1.01%
+257.0% YoY
|
+0.15% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
77.68%
-4.7% YoY
+1.7% QoQ
|
-7.36% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
28.74%
+4.8% YoY
+7.6% QoQ
|
+7.47% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.68%
+242.9% YoY
|
+0.00% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
10.61%
-4.4% YoY
+1.6% QoQ
|
-4.24% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.0% in tier |
| Non-Interest Income / Assets ? |
0.28%
+6.9% YoY
+108.7% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
47% |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
+1.3pp YoY +2.0pp QoQ |
+7.4pp | 21.4% | 20.1% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
30.8%
+2.1pp YoY +0.5pp QoQ |
+16.8pp | 14.0% | 14.7% | 12.5% | 92% |
| CRE |
57.6%
-1.4pp YoY -0.2pp QoQ |
+7.6pp | 50.0% | 37.9% | 41.4% | 70% |
| 1-4 Family |
11.3%
-0.2pp YoY -0.2pp QoQ |
-15.1pp | 26.4% | 28.3% | 31.3% | 21% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 5.4% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.5pp YoY +0.2pp QoQ |
-0.7pp | 11.3% | 12.2% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 16.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
104
+4 (+4.0%) YoY +5 (+5.1%) QoQ |
-210 | 313 | 228 | 482 | 8% |
| Assets per Employee ($) |
$11.3M
+8.2% YoY -4.5% QoQ |
+$842K | $10.5M | $8.3M | $8.8M | 74% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 10 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.7pp YoY +1.0pp QoQ |
+0.2pp | 0.8% | 1.1% | 1.0% | 74% |
| Allowance Coverage |
1.34x
-70.4% YoY -94.9% QoQ |
-17.37x | 18.71x | 5.62x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.1%
-1.2pp YoY 0.0pp QoQ |
-0.4pp | 0.3% | 0.1% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+7.1pp YoY -0.8pp QoQ |
+1.1pp | 12.6% | 10.5% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$8.0M
+121.8% YoY — QoQ |
-$11.2M | $19.2M | $11.7M | $40.4M | 30% |
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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.