BlastPoint's Banking Scorecard

American Community Bank & Trust

$1B-$10B Specialty: Commercial IL FDIC cert 35412

Designations: ✓ Community bank

Woodstock, IL

5 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

American Community Bank & Trust shows strong momentum with 5 strengths and 13.1% YoY asset growth

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

+ Delinquency Rate 0.84% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.08% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 12.42% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.2B +13.1% YoY +2.9% QoQ	-$1.6B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 14.6% in tier
Total Loans ?	$772.8M +15.4% YoY +2.5% QoQ	-$1.2B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 12.1% in tier
Total Deposits ?	$1.0B +14.0% YoY +2.8% QoQ	-$1.3B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.45% +15.3% YoY +36.8% QoQ	+0.08%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.88% +7.1% YoY +2.1% QoQ	+0.07%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	48.65% -6.3% YoY -6.4% QoQ	-12.42%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.05% -73.7% YoY	-0.84%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 6.4% in tier
Loan-to-Deposit Ratio ?	76.41% +1.2% YoY -0.3% QoQ	-7.80%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	26.70% +2.1% YoY +8.5% QoQ	+5.41%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.03% -73.2% YoY	-0.64%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 6.8% in tier
Tier 1 Capital Ratio ?	10.43% -5.4% YoY +1.9% QoQ	-4.73%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 8.0% in tier
Non-Interest Income / Assets ?	0.13% +6.2% YoY -74.0% QoQ	-0.12%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	46%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#57 of 880 Top 6.4% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#61 of 884 Top 6.8% in $1B-$10B

163

Efficiency Ratio

profitability

Value: 48.65%

Peer Median: 61.06%

#163 of 884 Top 18.3% in $1B-$10B

218

Non-Interest-Bearing Deposit Share

funding

Value: 26.70%

Peer Median: 21.29%

#218 of 884 Top 24.5% in $1B-$10B

Top Weaknesses (4 metrics)

814

Tier 1 Capital Ratio

capital

Value: 10.43%

Peer Median: 15.16%

#814 of 884 Bottom 8.0% in $1B-$10B

778

Total Loans

size

Value: $772.82M

Peer Median: $1.96B

#778 of 884 Bottom 12.1% in $1B-$10B

756

Total Assets

size

Value: $1.17B

Peer Median: $2.82B

#756 of 884 Bottom 14.6% in $1B-$10B

747

Total Deposits

size

Value: $1.01B

Peer Median: $2.34B

#747 of 884 Bottom 15.6% in $1B-$10B