BlastPoint's Banking Scorecard
American Bank, National Association
Le Mars, IA
2 branches across IA
American Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.2% in tier
- + Efficiency Ratio 14.79% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.34% above tier average
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$546.5M
-1.0% YoY
-1.4% QoQ
|
+$160.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$488.8M
+3.6% YoY
-1.3% QoQ
|
+$233.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Top 12.0% in tier |
| Total Deposits ? |
$436.5M
-0.3% YoY
-4.3% QoQ
|
+$108.6M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.68%
+39.8% YoY
+12.7% QoQ
|
+0.41% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.57%
+16.5% YoY
+8.1% QoQ
|
-0.36% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
50.50%
-15.4% YoY
-8.7% QoQ
|
-14.79% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.01%
-95.0% YoY
-91.4% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 13.6% in tier |
| Loan-to-Deposit Ratio ? |
111.97%
+3.9% YoY
+3.2% QoQ
|
+35.34% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.44%
+3.0% YoY
-14.2% QoQ
|
-11.58% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-94.7% YoY
-91.4% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 13.3% in tier |
| Tier 1 Capital Ratio ? |
11.48%
+3.4% YoY
+0.8% QoQ
|
-4.35% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.09%
+40.4% YoY
-76.0% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.