BlastPoint's Banking Scorecard
American Commercial Bank & Trust, National Association
Designations: ✓ Community bank
Ottawa, IL
11 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 +12.4% year over year ($1.8B on the books).
- Delinquency rate 0.29%.
- Return on assets 1.34%.
- Efficiency ratio 50.85% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.23% above tier average
- + Efficiency Ratio 8.88% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.43% below tier average
- - ROA 0.05% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+12.0% YoY
+1.7% QoQ
|
-$723.9M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$1.7B
+13.0% YoY
+1.6% QoQ
|
-$233.5M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$1.8B
+12.4% YoY
+0.9% QoQ
|
-$474.8M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.34%
-0.9% YoY
+8.9% QoQ
|
-0.05% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.10%
+7.9% YoY
+2.9% QoQ
|
+0.23% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
50.85%
-0.3% YoY
+0.3% QoQ
|
-8.88% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.29%
-49.6% YoY
+187.9% QoQ
|
-0.57% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
93.80%
+0.6% YoY
+0.7% QoQ
|
+8.77% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
23.92%
+1.3% YoY
+7.0% QoQ
|
+2.64% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.34%
-29.0% YoY
+47.0% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
9.34%
-5.9% YoY
-10.7% QoQ
|
-5.50% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.4% in tier |
| Non-Interest Income / Assets ? |
0.09%
-58.6% YoY
+423.5% QoQ
|
-0.43% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.2% in tier |
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 |
23.9%
+0.3pp YoY +1.6pp QoQ |
+2.5pp | 21.4% | 20.1% | 22.2% | 67% |
| Brokered Deposits |
24.5%
-2.1pp YoY -2.6pp QoQ |
+15.1pp | 9.5% | 8.0% | 8.5% | 91% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
30.5%
+1.6pp YoY +2.4pp QoQ |
+16.5pp | 14.0% | 14.7% | 12.5% | 91% |
| CRE |
58.4%
-2.8pp YoY -0.8pp QoQ |
+8.3pp | 50.0% | 37.9% | 41.4% | 72% |
| 1-4 Family |
10.6%
+1.6pp YoY -1.4pp QoQ |
-15.9pp | 26.4% | 28.3% | 31.3% | 18% |
| Consumer |
0.0%
-0.1pp YoY -0.1pp QoQ |
-4.7pp | 4.7% | 5.4% | 5.0% | 5% |
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 |
9.3%
+0.2pp YoY +0.2pp QoQ |
-2.0pp | 11.3% | 12.2% | 12.6% | 19% |
| 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 |
166
+12 (+7.8%) YoY +5 (+3.1%) QoQ |
-148 | 313 | 228 | 482 | 29% |
| Assets per Employee ($) |
$12.5M
+3.9% YoY -1.4% QoQ |
+$2.0M | $10.5M | $8.3M | $8.8M | 80% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 10 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 27% |
| Nonaccrual |
0.3%
-0.3pp YoY +0.2pp QoQ |
-0.5pp | 0.8% | 1.1% | 1.0% | 30% |
| Allowance Coverage |
5.15x
+102.8% YoY -64.7% QoQ |
-13.56x | 18.71x | 5.62x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
-0.5pp YoY +1.1pp QoQ |
+2.4pp | 12.6% | 10.5% | 11.6% | 73% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.6% | 1.7% | 80% |
| Net Income ($, YTD) |
$13.7M
+14.1% YoY — QoQ |
-$5.6M | $19.2M | $11.7M | $40.4M | 56% |
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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.