Side-by-side · Q2 2026 data
American Bank vs Citizens Savings Bank
Metric by metric
| Measure | American Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 38 | 81 (stronger) |
| Capital cushion | 51 | 93 (stronger) |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 45 | 71 (stronger) |
| Funding & liquidity | 62 | 72 (stronger) |
| Problem-loan coverage | 39 | 91 (stronger) |
| Peer percentile | 2nd | 80th |
| Total assets | $366.6M | $329.1M |
| Deposits / shares | $322.6M | $282.4M |
| Capital ratio | 10.08% | 14.33% (stronger) |
| Problem loans | 5.04% | 0.74% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.17% |
| Return on assets | 0.63% | 1.28% (stronger) |
| Loans ÷ deposits | 75.8% (stronger) | 87.9% |
| Uninsured deposits | 34.8% | 11.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 38). On the 7 directional measures above (where higher or lower is clearly better), American Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.