Side-by-side · Q2 2026 data
American Bank & Trust vs The First National Bank in Sioux Falls
Bank
The First National Bank in Sioux Falls
Sioux Falls, South Dakota · $1 billion – $10 billion
Metric by metric
| Measure | American Bank & Trust | The First National Bank in Sioux Falls |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 63 (stronger) | 53 |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 74 (stronger) | 66 |
| Funding & liquidity | 56 (stronger) | 49 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 66th | 44th |
| Total assets | $2.2B | $2.1B |
| Deposits / shares | $2.0B | $1.8B |
| Capital ratio | 11.28% (stronger) | 10.34% |
| Problem loans | 0.57% | 0.41% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.34% (stronger) | 1.15% |
| Loans ÷ deposits | 80.7% (stronger) | 88.6% |
| Uninsured deposits | 36.8% | 35.3% (stronger) |
| Offices | 20 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 2.1% |
American Bank & Trust has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 5 and The First National Bank in Sioux Falls on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.