Side-by-side · Q2 2026 data
American First National Bank vs Beal Bank USA
Metric by metric
| Measure | American First National Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 86 (stronger) | 74 |
| Earnings | 100 | 100 |
| Funding & liquidity | 54 (stronger) | 15 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 98th | 96th |
| Total assets | $2.9B | $11.0B |
| Deposits / shares | $2.4B | $1.7B |
| Capital ratio | 14.38% | 21.89% (stronger) |
| Problem loans | 0.42% (stronger) | 0.78% |
| Net charge-offs | 0.08% | -4.75% (stronger) |
| Return on assets | 2.13% | 8.19% (stronger) |
| Loans ÷ deposits | 97.8% (stronger) | 235.7% |
| Uninsured deposits | 22.7% (stronger) | 46.6% |
| Offices | 20 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
American First National Bank has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), American First National Bank leads on 4 and Beal Bank USA on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.