BlastPoint's Banking Scorecard
Amalgamated Bank of Chicago
Designations: ✓ Community bank
Chicago, IL
2 branches across IL
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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +6.6% year over year ($1.1B on the books).
- Delinquency rate 0.67%.
- Return on assets 1.13%.
- Efficiency ratio 66.14% vs a 59.73% peer average.
- Loan-to-deposit ratio 73.75% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Amalgamated Bank of Chicago has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 26.82% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.34% below tier average
- - Efficiency Ratio 6.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.6% YoY
+4.1% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$842.7M
+17.7% YoY
+2.6% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$1.1B
+6.6% YoY
+4.2% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.13%
+35.8% YoY
+7.9% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.53%
+6.3% YoY
+2.3% QoQ
|
-0.34% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
66.14%
-8.1% YoY
-1.2% QoQ
|
+6.41% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.67%
-55.0% YoY
-2.0% QoQ
|
-0.19% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
73.75%
+10.4% YoY
-1.5% QoQ
|
-11.29% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
48.09%
-1.3% YoY
-3.2% QoQ
|
+26.82% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 1.9% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-49.8% YoY
-3.5% QoQ
|
-0.25% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
15.60%
-3.3% YoY
-0.5% QoQ
|
+0.76% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.59%
-10.3% YoY
+101.7% QoQ
|
+0.07% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 14.4% in tier |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
48.1%
-0.6pp YoY -1.6pp QoQ |
+26.7pp | 21.4% | 20.1% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
+3.0pp YoY -0.5pp QoQ |
-10.0pp | 14.0% | 14.7% | 12.5% | 13% |
| CRE |
91.6%
-1.6pp YoY +0.9pp QoQ |
+41.5pp | 50.0% | 37.9% | 41.4% | 99% |
| 1-4 Family |
5.5%
-1.8pp YoY -0.4pp QoQ |
-20.9pp | 26.4% | 28.3% | 31.3% | 7% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.4% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
-0.5pp YoY -0.1pp QoQ |
0.0pp | 15.6% | 19.9% | 19.7% | 75% |
| Leverage Ratio |
11.4%
+0.4pp YoY -0.1pp QoQ |
+0.1pp | 11.3% | 12.2% | 12.6% | 68% |
| Total Capital Ratio |
16.6%
-0.8pp YoY -0.1pp QoQ |
-0.1pp | 16.7% | 20.9% | 20.8% | 74% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
149
-7 (-4.5%) YoY -4 (-2.6%) QoQ |
-165 | 313 | 228 | 482 | 22% |
| Assets per Employee ($) |
$8.9M
+10.6% YoY +6.9% QoQ |
-$1.6M | $10.5M | $8.3M | $8.8M | 53% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 10 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.8pp YoY 0.0pp QoQ |
-0.2pp | 0.8% | 1.1% | 1.0% | 61% |
| Allowance Coverage |
1.51x
+46.2% YoY -0.3% QoQ |
-17.20x | 18.71x | 5.62x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+2.6pp YoY +0.6pp QoQ |
-1.4pp | 12.6% | 10.5% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY +0.1pp QoQ |
-0.6pp | 1.9% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$7.7M
+42.9% YoY — QoQ |
-$11.6M | $19.2M | $11.7M | $40.4M | 28% |
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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.