Side-by-side · Q2 2026 data
American Bank of Commerce vs Sundown State Bank
Metric by metric
| Measure | American Bank of Commerce | Sundown State Bank |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 46 | 66 (stronger) |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 56 | 80 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 49th | 75th |
| Total assets | $1.9B | $307.7M |
| Deposits / shares | $1.4B | $269.6M |
| Capital ratio | 9.65% | 11.63% (stronger) |
| Problem loans | 0.15% (stronger) | 0.84% |
| Net charge-offs | 0.11% | 0.09% (stronger) |
| Return on assets | 1.04% | 4.15% (stronger) |
| Loans ÷ deposits | 86.4% | 70.4% (stronger) |
| Uninsured deposits | 30.8% | 23.4% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Sundown State Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), American Bank of Commerce leads on 1 and Sundown State Bank on 6. 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.