Side-by-side · Q2 2026 data
American Bank & Trust vs First National Bank
Metric by metric
| Measure | American Bank & Trust | First National Bank |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 81 (stronger) | 77 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 56 (stronger) | 31 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 66th | 95th |
| Total assets | $2.2B | $2.0B |
| Deposits / shares | $2.0B | $1.5B |
| Capital ratio | 11.28% | 21.88% (stronger) |
| Problem loans | 0.57% (stronger) | 0.69% |
| Net charge-offs | 0.01% (stronger) | 3.49% |
| Return on assets | 1.34% | 2.50% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 98.9% |
| Uninsured deposits | 36.8% (stronger) | 42.4% |
| Offices | 20 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 8.4% |
First National Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.