Side-by-side · Q2 2026 data
American National Bank - Fox Cities vs Bay Bank
Metric by metric
| Measure | American National Bank - Fox Cities | Bay Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 59 |
| Capital cushion | 86 (stronger) | 62 |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 58 | 76 (stronger) |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 86th | 17th |
| Total assets | $432.6M | $315.7M |
| Deposits / shares | $353.5M | $264.9M |
| Capital ratio | 13.59% (stronger) | 11.19% |
| Problem loans | 0.00% (stronger) | 2.03% |
| Net charge-offs | -0.01% (stronger) | 0.06% |
| Return on assets | 1.26% (stronger) | 1.12% |
| Loans ÷ deposits | 93.5% | 49.6% (stronger) |
| Uninsured deposits | 22.8% (stronger) | 37.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 34.4% |
American National Bank - Fox Cities has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), American National Bank - Fox Cities leads on 6 and Bay Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.