Side-by-side · Q2 2026 data
American Bank and Trust Company vs Citizens Bank and Trust Company of Ardmore
Metric by metric
| Measure | American Bank and Trust Company | Citizens Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 77 | 83 (stronger) |
| Funding & liquidity | 64 | 67 (stronger) |
| Problem-loan coverage | 50 | 100 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $324.4M | $318.8M |
| Deposits / shares | $268.9M | $268.9M |
| Capital ratio | 15.32% (stronger) | 10.60% |
| Problem loans | 6.26% | 0.00% (stronger) |
| Net charge-offs | 0.30% | 0.00% (stronger) |
| Return on assets | 1.42% | 1.59% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 78.1% |
| Uninsured deposits | 37.3% | 28.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), American Bank and Trust Company leads on 2 and Citizens Bank and Trust Company of Ardmore on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.