Side-by-side · Q2 2026 data
American Interstate Bank vs First Central Bank
Metric by metric
| Measure | American Interstate Bank | First Central Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 55 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 55 |
| Peer percentile | 98th | 7th |
| Total assets | $132.0M | $137.8M |
| Deposits / shares | $105.3M | $117.7M |
| Capital ratio | 20.06% (stronger) | 11.59% |
| Problem loans | 0.00% (stronger) | 3.47% |
| Net charge-offs | 0.00% | -0.12% (stronger) |
| Return on assets | 3.61% (stronger) | 1.34% |
| Loans ÷ deposits | 68.6% (stronger) | 89.3% |
| Uninsured deposits | 48.2% | 15.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Interstate Bank has the higher TellerScore (93 vs 50). On the 7 directional measures above (where higher or lower is clearly better), American Interstate Bank leads on 5 and First Central Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.