BlastPoint's Banking Scorecard
American Bank of the Carolinas
Monroe, NC
3 branches across NC
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 17 in NC.
- Deposits +7.6% year over year ($183.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.45%.
- Efficiency ratio 57.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Bank of the Carolinas shows strong momentum with 5 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.13% above tier average
- + Net Interest Margin 0.80% above tier average
- + Efficiency Ratio 6.82% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$214.0M
+8.0% YoY
-11.8% QoQ
|
-$172.5M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$166.6M
+17.8% YoY
+6.5% QoQ
|
-$91.8M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$183.8M
+7.6% YoY
-13.7% QoQ
|
-$142.9M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.45%
+27.9% YoY
+3.8% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
4.78%
+5.0% YoY
+5.8% QoQ
|
+0.80% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Top 12.3% in tier |
| Efficiency Ratio ? |
57.66%
-10.9% YoY
+0.1% QoQ
|
-6.82% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
90.62%
+9.4% YoY
+23.3% QoQ
|
+12.67% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
26.76%
+10.5% YoY
+8.6% QoQ
|
+4.73% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.27%
-6.5% YoY
+0.4% QoQ
|
-3.63% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.12%
+0.4% YoY
+118.1% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
25% |
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.8%
+2.5pp YoY +2.1pp QoQ |
+4.6pp | 22.1% | 21.8% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
-0.4pp YoY -0.5pp QoQ |
-5.5pp | 11.6% | 10.5% | 12.5% | 26% |
| CRE |
51.7%
+1.1pp YoY +3.1pp QoQ |
+12.2pp | 39.5% | 46.3% | 41.4% | 73% |
| 1-4 Family |
30.0%
-3.1pp YoY -3.3pp QoQ |
-2.7pp | 32.6% | 44.2% | 31.3% | 51% |
| Consumer |
0.9%
-0.1pp YoY -0.1pp QoQ |
-3.2pp | 4.1% | 1.6% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
12.3%
-0.8pp YoY +0.1pp QoQ |
+0.1pp | 12.2% | 14.4% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+1 (+3.3%) YoY 0 QoQ |
-28 | 58 | 5,103 | 482 | 28% |
| Assets per Employee ($) |
$6.9M
+4.5% YoY -11.8% QoQ |
-$613K | $7.5M | $9.4M | $8.8M | 50% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 170 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.36x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+2.7pp YoY +0.1pp QoQ |
+0.5pp | 12.2% | 8.7% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 28% |
| Net Income ($, YTD) |
$1.6M
+45.6% YoY — QoQ |
-$936K | $2.6M | $518.0M | $40.4M | 44% |
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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.