Side-by-side · Q2 2026 data
American Exchange Bank vs Horizon Bank
Metric by metric
| Measure | American Exchange Bank | Horizon Bank |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 46 | 90 (stronger) |
| Loan quality | 67 | 85 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 (stronger) | 59 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 45th | 91st |
| Total assets | $69.7M | $574.3M |
| Deposits / shares | $61.8M | $474.9M |
| Capital ratio | 9.63% | 13.96% (stronger) |
| Problem loans | 0.98% | 0.46% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.28% | 2.95% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 84.0% |
| Uninsured deposits | 13.0% (stronger) | 30.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 3 and Horizon Bank on 4. 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.