Side-by-side · Q2 2026 data
American Bank & Trust Company vs First National Bank USA
Metric by metric
| Measure | American Bank & Trust Company | First National Bank USA |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 67 | 91 (stronger) |
| Loan quality | 84 | 99 (stronger) |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 49 | 62 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 64th | 94th |
| Total assets | $267.0M | $249.1M |
| Deposits / shares | $221.7M | $213.1M |
| Capital ratio | 11.71% | 14.06% (stronger) |
| Problem loans | 0.47% | 0.03% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.83% (stronger) | 1.65% |
| Loans ÷ deposits | 86.3% | 52.6% (stronger) |
| Uninsured deposits | 37.0% (stronger) | 49.9% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.8% | 14.3% |
First National Bank USA has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust Company leads on 3 and First National Bank USA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.