Side-by-side · Q2 2026 data
American Exchange Bank vs First Bank
Metric by metric
| Measure | American Exchange Bank | First Bank |
|---|---|---|
| TellerScore | 78 | 93 (stronger) |
| Capital cushion | 85 | 92 (stronger) |
| Loan quality | 56 | 91 (stronger) |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 67 | 83 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 72nd | 98th |
| Total assets | $103.7M | $118.0M |
| Deposits / shares | $89.0M | $100.1M |
| Capital ratio | 13.54% | 14.16% (stronger) |
| Problem loans | 1.32% | 0.27% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.01% |
| Return on assets | 1.99% | 2.88% (stronger) |
| Loans ÷ deposits | 84.8% | 64.6% (stronger) |
| Uninsured deposits | 22.6% (stronger) | 26.1% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.7% | — |
First Bank has the higher TellerScore (93 vs 78). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 2 and First Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.