Side-by-side · Q2 2026 data
American Trust and Savings Bank vs Community State Bank
Metric by metric
| Measure | American Trust and Savings Bank | Community State Bank |
|---|---|---|
| TellerScore | 46 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 43 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 13 | 100 (stronger) |
| Peer percentile | 7th | 87th |
| Total assets | $27.8M | $41.4M |
| Deposits / shares | $23.2M | $33.6M |
| Capital ratio | 15.65% | 20.23% (stronger) |
| Problem loans | 30.07% | 0.00% (stronger) |
| Net charge-offs | -0.07% | -0.12% (stronger) |
| Return on assets | -1.02% | 0.57% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 39.4% |
| Uninsured deposits | 17.6% | 4.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (89 vs 46). On the 7 directional measures above (where higher or lower is clearly better), American Trust and Savings Bank leads on 1 and Community State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.