Side-by-side · Q2 2026 data
American Trust and Savings Bank vs First Central State Bank
Metric by metric
| Measure | American Trust and Savings Bank | First Central State Bank |
|---|---|---|
| TellerScore | 46 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 0 | 77 (stronger) |
| Funding & liquidity | 97 (stronger) | 65 |
| Problem-loan coverage | 13 | 97 (stronger) |
| Peer percentile | 7th | 84th |
| Total assets | $27.8M | $772.4M |
| Deposits / shares | $23.2M | $595.4M |
| Capital ratio | 15.65% (stronger) | 13.39% |
| Problem loans | 30.07% | 0.21% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | -1.02% | 1.43% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 82.4% |
| Uninsured deposits | 17.6% (stronger) | 26.7% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 46). On the 7 directional measures above (where higher or lower is clearly better), American Trust and Savings Bank leads on 4 and First Central State Bank on 3. 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.