Side-by-side · Q2 2026 data
American Bank & Trust vs Palace City Federal Credit Union
Credit union
Palace City Federal Credit Union
Mitchell, South Dakota · Under $100 million in assets
Metric by metric
| Measure | American Bank & Trust | Palace City Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 63 (stronger) | 49 |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 74 (stronger) | 37 |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 66th | 44th |
| Total assets | $2.2B | $16.5M |
| Deposits / shares | $2.0B | $14.7M |
| Capital ratio | 11.28% (stronger) | 9.92% |
| Problem loans | 0.57% | 0.01% (stronger) |
| Net charge-offs | 0.01% | -0.04% (stronger) |
| Return on assets | 1.34% (stronger) | 0.43% |
| Loans ÷ deposits | 80.7% | 44.3% (stronger) |
| Uninsured deposits | 36.8% | 1.0% (stronger) |
| Offices | 20 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
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 Palace City Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.