BlastPoint's Banking Scorecard

American Commerce Bank, National Association

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

Bremen, GA

4 branches across GA · FL

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 96 in GA.
Deposits -3.1% year over year ($392.1M on the books).
Delinquency rate 3.05%.
Return on assets 1.79%.
Efficiency ratio 47.39% vs a 64.48% peer average.
Loan-to-deposit ratio 102.37% 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 96 in GA

View $100M-$1B leaderboard (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

+ ROA 0.46% above tier average
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 17.09% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.3% in tier
- Liquidity Strain: Bottom 16.5% in tier
- Capital Constraint: Bottom 86.0% in tier
- Delinquency Rate 2.13% above tier average
- Non-Interest-Bearing Deposit Share 13.43% below tier average
- Nonperforming Asset Ratio 1.84% above tier average
- Non-Interest Income / Assets 0.50% below tier average

Get updates when American Commerce Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$495.7M -0.9% YoY +1.7% QoQ	+$109.1M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$401.4M -4.1% YoY -2.0% QoQ	+$143.0M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$392.1M -3.1% YoY +1.9% QoQ	+$65.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.79% +13.9% YoY -0.5% QoQ	+0.46%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.46% +5.1% YoY +1.9% QoQ	+0.47%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	47.39% -1.2% YoY +1.3% QoQ	-17.09%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 12.1% in tier
Delinquency Rate ?	3.05% +17.0% YoY +7.4% QoQ	+2.13%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Bottom 6.2% in tier
Loan-to-Deposit Ratio ?	102.37% -1.0% YoY -3.8% QoQ	+24.41%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ?	8.60% +20.3% YoY +11.1% QoQ	-13.43%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Bottom 8.0% in tier
Nonperforming Asset Ratio ?	2.51% +9.5% YoY +3.1% QoQ	+1.84%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Bottom 4.8% in tier
Tier 1 Capital Ratio ?	20.90% +15.6% YoY +4.5% QoQ	+4.99%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 12.0% in tier
Non-Interest Income / Assets ?	0.07% -6.4% YoY +76.1% QoQ	-0.50%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	Bottom 9.7% in tier

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 (GA)	National Avg	Tier Percentile
Noninterest-Bearing	8.6% +1.5pp YoY +0.9pp QoQ	-13.5pp	22.1%	26.2%	22.2%	8%
Brokered Deposits	9.4% +4.1pp YoY +1.2pp QoQ	+1.5pp	7.9%	7.5%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	7.3% -3.2pp YoY +0.1pp QoQ	-4.2pp	11.6%	9.7%	12.5%	35%
CRE	82.6% +5.8pp YoY +0.2pp QoQ	+43.0pp	39.5%	48.9%	41.4%	98%
1-4 Family	10.8% -2.2pp YoY +0.3pp QoQ	-21.8pp	32.6%	31.7%	31.3%	12%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.1%	4.8%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	20.9% +2.8pp YoY +0.9pp QoQ	+2.1pp	18.8%	20.9%	19.7%	80%
Leverage Ratio	17.1% +2.1pp YoY -0.1pp QoQ	+4.9pp	12.2%	14.0%	12.6%	93%
Total Capital Ratio	22.2% +2.8pp YoY +0.9pp QoQ	+2.2pp	19.9%	22.1%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	50 +1 (+2.0%) YoY +2 (+4.2%) QoQ	-9	58	98	482	53%
Assets per Employee ($)	$9.9M -2.9% YoY -2.4% QoQ	+$2.4M	$7.5M	$7.5M	$8.8M	85%
Branch Count	4 0 YoY 0 QoQ	-1	4	6	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	3.0% +0.4pp YoY +0.2pp QoQ	+2.1pp	0.9%	0.8%	1.0%	94%
Allowance Coverage	0.73x -12.7% YoY -5.0% QoQ	-23.42x	24.15x	38.10x	20.23x	18%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	10.6% -0.4pp YoY -0.1pp QoQ	-1.6pp	12.2%	13.6%	11.6%	40%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.6%	1.7%	85%
Net Income ($, YTD)	$4.4M +8.0% YoY — QoQ	+$1.8M	$2.6M	$6.6M	$40.4M	83%

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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 (3)

Liquidity Overhang

risk

#92 of 742 • Bottom 12.3% 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: 20.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.37%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#115 of 691 • Bottom 16.5% 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: 102.37%

(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

Capital Constraint

risk

#93 of 107 • Bottom 86.0% 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: 102.37%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 20.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

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 (5 metrics)

318

Tier 1 Capital Ratio

capital

Value: 20.90%

Peer Median: 15.91%

#318 of 2643 Top 12.0% in $100M-$1B

322

Efficiency Ratio

profitability

Value: 47.39%

Peer Median: 64.48%

#322 of 2643 Top 12.1% in $100M-$1B

540

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.32%

#540 of 2643 Top 20.4% in $100M-$1B

544

Total Loans

size

Value: $401.39M

Peer Median: $258.35M

#544 of 2643 Top 20.5% in $100M-$1B

582

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (5 metrics)

2517

Nonperforming Asset Ratio

credit_quality

Value: 2.51%

Peer Median: 0.67%

#2517 of 2643 Bottom 4.8% in $100M-$1B

2472

Delinquency Rate

credit_quality

Value: 3.05%

Peer Median: 0.92%

#2472 of 2633 Bottom 6.2% in $100M-$1B

2445

Loan-to-Deposit Ratio

liquidity

Value: 102.37%

Peer Median: 77.95%

#2445 of 2643 Bottom 7.5% in $100M-$1B

2432

Non-Interest-Bearing Deposit Share

funding

Value: 8.60%

Peer Median: 22.03%

#2432 of 2643 Bottom 8.0% in $100M-$1B

2387

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2387 of 2643 Bottom 9.7% in $100M-$1B