Side-by-side · Q2 2026 data
American National Bank & Trust vs First State Bank
Metric by metric
| Measure | American National Bank & Trust | First State Bank |
|---|---|---|
| TellerScore | 61 | 81 (stronger) |
| Capital cushion | 52 (stronger) | 51 |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 59 | 81 (stronger) |
| Funding & liquidity | 48 | 97 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 24th | 80th |
| Total assets | $2.5B | $308.8M |
| Deposits / shares | $2.2B | $275.9M |
| Capital ratio | 10.18% (stronger) | 10.08% |
| Problem loans | 0.88% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.99% | 1.52% (stronger) |
| Loans ÷ deposits | 84.8% | 60.5% (stronger) |
| Uninsured deposits | 39.3% | 17.9% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
First State Bank has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American National Bank & Trust leads on 1 and First State Bank on 6. 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.
Where both have branches
- Archer City, TX