BlastPoint's Banking Scorecard

American Commerce Bank, National Association

$100M-$1B Specialty: Commercial GA FDIC cert 57686

Bremen, GA

4 branches across GA · FL

2664 banks in the $100M-$1B peer group nationally 99 in GA

American Commerce Bank, National Association has 3 strengths but faces 7 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

+ Profitability Leader: Top 42.3% in tier
+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 18.49% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 10.8% in tier
- Deposit Outflow: Bottom 23.5% in tier
- Liquidity Strain: Bottom 25.5% in tier
- Capital Constraint: Bottom 85.2% in tier
- Delinquency Rate 1.95% above tier average
- Non-Interest-Bearing Deposit Share 14.28% below tier average
- Nonperforming Asset Ratio 1.80% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$487.6M -4.7% YoY +0.5% QoQ	+$101.5M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$409.6M -5.2% YoY +1.0% QoQ	+$153.9M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$384.8M -7.7% YoY -0.1% QoQ	+$56.9M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.80% +33.2% YoY +7.8% QoQ	+0.53%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.38% +14.4% YoY +1.5% QoQ	+0.45%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	46.80% -4.4% YoY -4.2% QoQ	-18.49%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 10.8% in tier
Delinquency Rate ?	2.84% -25.8% YoY -4.1% QoQ	+1.95%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Bottom 6.5% in tier
Loan-to-Deposit Ratio ?	106.45% +2.6% YoY +1.1% QoQ	+29.81%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Bottom 4.1% in tier
Non-Interest-Bearing Deposit Share ?	7.74% +3.6% YoY +5.8% QoQ	-14.28%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Bottom 6.7% in tier
Nonperforming Asset Ratio ?	2.43% -27.2% YoY -5.4% QoQ	+1.80%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Bottom 4.6% in tier
Tier 1 Capital Ratio ?	20.00% +18.6% YoY +2.2% QoQ	+4.17%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 13.5% in tier
Non-Interest Income / Assets ?	0.04% +10.7% YoY -77.1% QoQ	-0.24%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Bottom 13.1% in tier

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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 (1)

Profitability Leader

growth

#283 of 666 • Top 42.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.80%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Liquidity Overhang

risk

#81 of 739 • Bottom 10.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.00%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 106.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#120 of 506 • Bottom 23.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#165 of 643 • Bottom 25.5% 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: 106.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#93 of 108 • Bottom 85.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 106.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 20.00%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

289

Efficiency Ratio

profitability

Value: 46.80%

Peer Median: 65.29%

#289 of 2664 Top 10.8% in $100M-$1B

360

Tier 1 Capital Ratio

capital

Value: 20.00%

Peer Median: 15.83%

#360 of 2664 Top 13.5% in $100M-$1B

493

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.27%

#493 of 2664 Top 18.5% in $100M-$1B

521

Total Loans

size

Value: $409.65M

Peer Median: $255.72M

#521 of 2664 Top 19.5% in $100M-$1B

615

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.93%

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (5 metrics)

2556

Loan-to-Deposit Ratio

liquidity

Value: 106.45%

Peer Median: 76.64%

#2556 of 2664 Bottom 4.1% in $100M-$1B

2543

Nonperforming Asset Ratio

credit_quality

Value: 2.43%

Peer Median: 0.64%

#2543 of 2664 Bottom 4.6% in $100M-$1B

2482

Delinquency Rate

credit_quality

Value: 2.84%

Peer Median: 0.89%

#2482 of 2654 Bottom 6.5% in $100M-$1B

2487

Non-Interest-Bearing Deposit Share

funding

Value: 7.74%

Peer Median: 22.02%

#2487 of 2664 Bottom 6.7% in $100M-$1B

2315

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2315 of 2664 Bottom 13.1% in $100M-$1B