Side-by-side · Q2 2026 data
American Bank & Trust vs First Dakota National Bank
Metric by metric
| Measure | American Bank & Trust | First Dakota National Bank |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 63 (stronger) | 54 |
| Loan quality | 81 | 90 (stronger) |
| Earnings | 74 | 87 (stronger) |
| Funding & liquidity | 56 (stronger) | 45 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 66th | 66th |
| Total assets | $2.2B | $3.4B |
| Deposits / shares | $2.0B | $3.0B |
| Capital ratio | 11.28% (stronger) | 10.40% |
| Problem loans | 0.57% | 0.30% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.34% | 1.68% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 95.9% |
| Uninsured deposits | 36.8% | 32.8% (stronger) |
| Offices | 20 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 4.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 2 and First Dakota National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.