Side-by-side · Q2 2026 data
American State Bank vs NBT Financial Bank
Metric by metric
| Measure | American State Bank | NBT Financial Bank |
|---|---|---|
| TellerScore | 44 | 50 (stronger) |
| Capital cushion | 59 | 59 |
| Loan quality | 32 (stronger) | 24 |
| Earnings | 23 | 72 (stronger) |
| Funding & liquidity | 54 (stronger) | 35 |
| Problem-loan coverage | 58 | 70 (stronger) |
| Peer percentile | 4th | 7th |
| Total assets | $637.8M | $618.7M |
| Deposits / shares | $535.5M | $540.1M |
| Capital ratio | 10.91% (stronger) | 10.85% |
| Problem loans | 2.03% (stronger) | 2.29% |
| Net charge-offs | 0.92% | 0.02% (stronger) |
| Return on assets | 0.08% | 1.29% (stronger) |
| Loans ÷ deposits | 84.4% | 83.8% (stronger) |
| Uninsured deposits | 34.9% (stronger) | 51.8% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
NBT Financial Bank has the higher TellerScore (50 vs 44). On the 7 directional measures above (where higher or lower is clearly better), American State Bank leads on 3 and NBT Financial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.