Side-by-side · Q2 2026 data
American Bank & Trust vs First Bank & Trust
Metric by metric
| Measure | American Bank & Trust | First Bank & Trust |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 63 (stronger) | 54 |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 74 (stronger) | 72 |
| Funding & liquidity | 56 | 58 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 66th | 58th |
| Total assets | $2.2B | $4.8B |
| Deposits / shares | $2.0B | $4.2B |
| Capital ratio | 11.28% (stronger) | 10.37% |
| Problem loans | 0.57% | 0.42% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.34% (stronger) | 1.31% |
| Loans ÷ deposits | 80.7% (stronger) | 84.6% |
| Uninsured deposits | 36.8% | 31.1% (stronger) |
| Offices | 20 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 14.9% |
American Bank & Trust has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 5 and First Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.