Side-by-side · Q2 2026 data
American Community Bank & Trust vs The Federal Savings Bank
Metric by metric
| Measure | American Community Bank & Trust | The Federal Savings Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 51 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 (stronger) | 10 |
| Earnings | 75 (stronger) | 22 |
| Funding & liquidity | 47 | 50 (stronger) |
| Problem-loan coverage | 88 (stronger) | 67 |
| Peer percentile | 33rd | 8th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $741.1M |
| Capital ratio | 10.61% | 15.86% (stronger) |
| Problem loans | 1.00% (stronger) | 2.69% |
| Net charge-offs | -0.09% (stronger) | 0.20% |
| Return on assets | 1.38% (stronger) | 0.05% |
| Loans ÷ deposits | 77.7% (stronger) | 129.9% |
| Uninsured deposits | 47.2% | 15.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 19.1% |
American Community Bank & Trust has the higher TellerScore (64 vs 51). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank & Trust leads on 5 and The Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.