BlastPoint's Banking Scorecard
American Bank & Trust Company, Inc.
Designations: ✓ CDFI-certified
Bowling Green, KY
6 branches across KY
American Bank & Trust Company, Inc. has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.42% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.8% in tier
- - Flatlined Growth: Bottom 35.2% in tier
- - ROA 0.26% below tier average
- - Net Interest Margin 0.67% below tier average
- - Delinquency Rate 0.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$892.2M
+0.0% YoY
+1.9% QoQ
|
+$506.1M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Top 4.0% in tier |
| Total Loans ? |
$725.9M
+1.3% YoY
+3.6% QoQ
|
+$470.2M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Top 1.6% in tier |
| Total Deposits ? |
$765.9M
-1.4% YoY
+1.1% QoQ
|
+$438.0M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Top 3.8% in tier |
| Return on Assets ? |
1.01%
+17.5% YoY
-3.9% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.26%
+8.8% YoY
+1.2% QoQ
|
-0.67% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
56.87%
-5.7% YoY
+3.5% QoQ
|
-8.42% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
1.23%
+414.4% YoY
+354.0% QoQ
|
+0.35% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
94.78%
+2.8% YoY
+2.4% QoQ
|
+18.14% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
12.15%
+4.5% YoY
+2.0% QoQ
|
-9.87% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
1.02%
+429.9% YoY
+369.1% QoQ
|
+0.38% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
11.35%
+10.0% YoY
-1.0% QoQ
|
-4.48% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.07%
-3.6% YoY
-77.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
31% |
Get Full Access to American Bank & Trust Company, Inc.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.