Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Carolina Cooperative
Metric by metric
| Measure | American Bank of the Carolinas | Carolina Cooperative |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 73 | 92 (stronger) |
| Loan quality | 100 (stronger) | 42 |
| Earnings | 78 (stronger) | 30 |
| Funding & liquidity | 51 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 77th | 28th |
| Total assets | $214.0M | $46.3M |
| Deposits / shares | $183.8M | $39.4M |
| Capital ratio | 12.27% | 14.17% (stronger) |
| Problem loans | 0.00% (stronger) | 1.73% |
| Net charge-offs | 0.00% (stronger) | 0.58% |
| Return on assets | 1.45% (stronger) | 0.26% |
| Loans ÷ deposits | 90.6% | 80.0% (stronger) |
| Uninsured deposits | 31.7% | 3.5% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 4 and Carolina Cooperative on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.