BlastPoint's Banking Scorecard

American Bank, National Association

$100M-$1B Specialty: Agricultural IA FDIC cert 5800

Le Mars, IA

2 branches across IA

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 167 in IA.
Deposits +3.1% year over year ($445.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.85%.
Efficiency ratio 48.59% vs a 64.48% peer average.
Loan-to-deposit ratio 107.72% 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 167 in IA

View $100M-$1B leaderboard (IA) →

American Bank, National Association has 3 strengths but faces 2 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 21.5% in tier
+ Efficiency Ratio 15.89% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 29.77% above tier average
- Net Interest Margin 0.26% below tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$533.0M +0.8% YoY -2.5% QoQ	+$146.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$479.4M +3.5% YoY -1.9% QoQ	+$221.0M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 13.4% in tier
Total Deposits ?	$445.0M +3.1% YoY +1.9% QoQ	+$118.3M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.85% +49.4% YoY +9.9% QoQ	+0.53%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	3.73% +17.6% YoY +4.4% QoQ	-0.26%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	48.59% -19.0% YoY -3.8% QoQ	-15.89%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 14.1% in tier
Delinquency Rate ?	0.00% -95.7% YoY -50.3% QoQ	-0.91%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 13.0% in tier
Loan-to-Deposit Ratio ?	107.72% +0.4% YoY -3.8% QoQ	+29.77%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ?	10.08% -3.7% YoY -3.5% QoQ	-11.95%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 10.9% in tier
Nonperforming Asset Ratio ?	0.00% -95.6% YoY -50.0% QoQ	-0.67%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 12.1% in tier
Tier 1 Capital Ratio ?	11.95% +5.8% YoY +4.0% QoQ	-3.96%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.20% +23.8% YoY +116.4% QoQ	-0.36%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	51%

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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	10.1% -0.4pp YoY -0.4pp QoQ	-12.1pp	22.1%	17.8%	22.2%	10%
Brokered Deposits	3.8% -2.7pp YoY +1.6pp QoQ	-4.1pp	7.9%	6.0%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	9.2% -0.6pp YoY -0.3pp QoQ	-2.4pp	11.6%	12.8%	12.5%	47%
CRE	13.4% -1.5pp YoY -0.2pp QoQ	-26.2pp	39.5%	28.3%	41.4%	9%
1-4 Family	7.6% -0.3pp YoY +0.3pp QoQ	-25.0pp	32.6%	23.0%	31.3%	8%
Consumer	0.7% -0.2pp YoY 0.0pp QoQ	-3.4pp	4.1%	2.9%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	11.9% +0.6pp YoY +0.5pp QoQ	-6.9pp	18.8%	15.4%	19.7%	16%
Leverage Ratio	10.7% +0.7pp YoY +0.4pp QoQ	-1.5pp	12.2%	12.4%	12.6%	44%
Total Capital Ratio	13.1% +0.7pp YoY +0.5pp QoQ	-6.8pp	19.9%	16.5%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	51 +3 (+6.2%) YoY +2 (+4.1%) QoQ	-8	58	64	482	54%
Assets per Employee ($)	$10.5M -5.1% YoY -6.3% QoQ	+$2.9M	$7.5M	$8.9M	$8.8M	88%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	1%
Allowance Coverage	284.70x +2310.3% YoY +111.5% QoQ	+260.55x	24.15x	18.97x	20.23x	98%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	17.5% +5.0pp YoY +1.3pp QoQ	+5.3pp	12.2%	12.8%	11.6%	80%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$5.0M +50.7% YoY — QoQ	+$2.5M	$2.6M	$4.0M	$40.4M	87%

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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

#143 of 661 • Top 21.5% in tier

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

Why this signature

Return on Assets: 1.85%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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)

320

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

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

344

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#344 of 2633 Top 13.0% in $100M-$1B

355

Total Loans

size

Value: $479.38M

Peer Median: $258.35M

#355 of 2643 Top 13.4% in $100M-$1B

373

Efficiency Ratio

profitability

Value: 48.59%

Peer Median: 64.48%

#373 of 2643 Top 14.1% in $100M-$1B

473

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.32%

#473 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2528

Loan-to-Deposit Ratio

liquidity

Value: 107.72%

Peer Median: 77.95%

#2528 of 2643 Bottom 4.4% in $100M-$1B

2357

Non-Interest-Bearing Deposit Share

funding

Value: 10.08%

Peer Median: 22.03%

#2357 of 2643 Bottom 10.9% in $100M-$1B