BlastPoint's Banking Scorecard
American Bank of the Carolinas
Monroe, NC
3 branches across NC
American Bank of the Carolinas shows strong momentum with 5 strengths and 26.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.13% above tier average
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio 7.68% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.6M
+26.1% YoY
+14.4% QoQ
|
-$143.5M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$156.4M
+14.6% YoY
+3.3% QoQ
|
-$99.3M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$212.9M
+28.5% YoY
+16.4% QoQ
|
-$115.0M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.40%
+34.3% YoY
+6.6% QoQ
|
+0.13% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
4.52%
+2.2% YoY
-5.6% QoQ
|
+0.59% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
57.60%
-9.3% YoY
-8.7% QoQ
|
-7.68% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.47%
-10.8% YoY
-11.3% QoQ
|
-3.17% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.64%
+9.0% YoY
-9.3% QoQ
|
+2.63% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.22%
-6.6% YoY
-1.8% QoQ
|
-3.61% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.05%
-9.9% YoY
-79.0% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
22% |
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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.