BlastPoint's Banking Scorecard
American Commercial Bank & Trust, National Association
Designations: ✓ Community bank
Ottawa, IL
11 branches across IL
American Commercial Bank & Trust, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 10.36% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 65.5% in tier
- - Non-Interest Income / Assets 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+15.4% YoY
+0.1% QoQ
|
-$780.4M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$1.7B
+16.9% YoY
-0.8% QoQ
|
-$261.9M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$1.8B
+17.6% YoY
+4.6% QoQ
|
-$515.8M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.23%
-8.2% YoY
-15.7% QoQ
|
-0.14% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.98%
+6.1% YoY
+1.5% QoQ
|
+0.17% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
50.70%
-1.6% YoY
+5.2% QoQ
|
-10.36% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.10%
-84.6% YoY
-73.3% QoQ
|
-0.79% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 11.8% in tier |
| Loan-to-Deposit Ratio ? |
93.19%
-0.6% YoY
-5.1% QoQ
|
+8.98% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
22.36%
-8.0% YoY
-1.4% QoQ
|
+1.07% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.23%
-57.5% YoY
-34.3% QoQ
|
-0.44% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
10.45%
+4.8% YoY
+4.6% QoQ
|
-4.71% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.3% in tier |
| Non-Interest Income / Assets ? |
0.02%
-82.9% YoY
-96.3% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.4% in tier |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.