BlastPoint's Banking Scorecard

American Bank & Trust Company, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 35568

Designations: ✓ CDFI-certified

Bowling Green, KY

6 branches across KY

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 88 in KY.
Deposits +3.6% year over year ($800.0M on the books).
Delinquency rate 1.23%.
Return on assets 1.04%.
Efficiency ratio 56.02% vs a 64.48% peer average.
Loan-to-deposit ratio 92.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

American Bank & Trust Company, Inc. has 1 strength but faces 4 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

+ Efficiency Ratio 8.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.2% in tier
- ROA 0.28% below tier average
- Net Interest Margin 0.70% below tier average
- Delinquency Rate 0.31% above tier average

Get updates when American Bank & Trust Company, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$924.4M +3.8% YoY +3.6% QoQ	+$537.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Top 2.8% in tier
Total Loans ?	$738.2M +2.5% YoY +1.7% QoQ	+$479.9M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Top 1.3% in tier
Total Deposits ?	$800.0M +3.6% YoY +4.4% QoQ	+$473.3M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	Top 2.1% in tier
Return on Assets ?	1.04% +13.4% YoY +3.1% QoQ	-0.28%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.29% +6.9% YoY +0.9% QoQ	-0.70%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	19%
Efficiency Ratio ?	56.02% -4.8% YoY -1.5% QoQ	-8.46%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	1.23% +408.9% YoY -0.5% QoQ	+0.31%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	92.28% -1.0% YoY -2.6% QoQ	+14.33%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	11.89% -4.0% YoY -2.2% QoQ	-10.14%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	Bottom 14.3% in tier
Nonperforming Asset Ratio ?	1.00% +410.8% YoY -2.3% QoQ	+0.33%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	11.44% +7.7% YoY +0.8% QoQ	-4.47%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.15% -1.4% YoY +111.7% QoQ	-0.42%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	33%

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 (KY)	National Avg	Tier Percentile
Noninterest-Bearing	11.9% -0.5pp YoY -0.3pp QoQ	-10.3pp	22.1%	23.5%	22.2%	14%
Brokered Deposits	6.9% -1.8pp YoY 0.0pp QoQ	-0.9pp	7.9%	5.4%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	12.0% -0.5pp YoY +0.8pp QoQ	+0.5pp	11.6%	8.6%	12.5%	64%
CRE	57.4% -1.1pp YoY -0.4pp QoQ	+17.9pp	39.5%	37.1%	41.4%	81%
1-4 Family	28.8% +1.2pp YoY -0.7pp QoQ	-3.8pp	32.6%	41.6%	31.3%	48%
Consumer	0.8% -0.2pp YoY 0.0pp QoQ	-3.3pp	4.1%	4.8%	5.0%	24%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	11.4% +0.8pp YoY +0.1pp QoQ	-7.4pp	18.8%	20.2%	19.7%	12%
Leverage Ratio	9.9% +0.8pp YoY 0.0pp QoQ	-2.3pp	12.2%	14.0%	12.6%	28%
Total Capital Ratio	12.4% +0.9pp YoY +0.1pp QoQ	-7.5pp	19.9%	21.3%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	102 +3 (+3.0%) YoY +1 (+1.0%) QoQ	+43	58	105	482	88%
Assets per Employee ($)	$9.1M +0.8% YoY +2.6% QoQ	+$1.5M	$7.5M	$6.3M	$8.8M	80%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	26%
Nonaccrual	1.2% +1.0pp YoY 0.0pp QoQ	+0.3pp	0.9%	0.8%	1.0%	76%
Allowance Coverage	0.80x -78.8% YoY +1.6% QoQ	-23.36x	24.15x	7.45x	20.23x	20%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	11.3% +0.1pp YoY +0.4pp QoQ	-0.8pp	12.2%	13.3%	11.6%	45%
Cost of Funds (YTD)	2.9% -0.5pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.7%	1.7%	96%
Net Income ($, YTD)	$4.7M +15.7% YoY — QoQ	+$2.1M	$2.6M	$5.1M	$40.4M	85%

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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 (1)

Liquidity Strain

risk

#99 of 691 • Bottom 14.2% 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: 92.28%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $738.25M

Peer Median: $258.35M

#35 of 2643 Top 1.3% in $100M-$1B

Total Deposits

size

Value: $800.00M

Peer Median: $326.73M

#57 of 2643 Top 2.1% in $100M-$1B

Total Assets

size

Value: $924.41M

Peer Median: $386.57M

#76 of 2643 Top 2.8% in $100M-$1B

Top Weaknesses (5 metrics)

2266

Non-Interest-Bearing Deposit Share

funding

Value: 11.89%

Peer Median: 22.03%

#2266 of 2643 Bottom 14.3% in $100M-$1B

2131

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.99%

#2131 of 2643 Bottom 19.4% in $100M-$1B

2106

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.67%

#2106 of 2643 Bottom 20.4% in $100M-$1B

2074

Loan-to-Deposit Ratio

liquidity

Value: 92.28%

Peer Median: 77.95%

#2074 of 2643 Bottom 21.6% in $100M-$1B

2012

Delinquency Rate

credit_quality

Value: 1.23%

Peer Median: 0.92%

#2012 of 2633 Bottom 23.6% in $100M-$1B