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 | 77 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 81 (stronger) | 33 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 56 | 68 (stronger) |
| Problem-loan coverage | 93 (stronger) | 85 |
| Peer percentile | 66th | 68th |
| Total assets | $2.2B | $477.8M |
| Deposits / shares | $2.0B | $380.1M |
| Capital ratio | 11.28% | 18.41% (stronger) |
| Problem loans | 0.57% (stronger) | 2.01% |
| Net charge-offs | 0.01% (stronger) | 4.62% |
| Return on assets | 1.34% | 2.18% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 90.6% |
| Uninsured deposits | 36.8% | 16.2% (stronger) |
| Offices | 20 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 13.6% |
First National Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 3 and First National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.