Side-by-side · Q2 2026 data
American Trust and Savings Bank vs State Bank of Schaller
Metric by metric
| Measure | American Trust and Savings Bank | State Bank of Schaller |
|---|---|---|
| TellerScore | 46 | 59 (stronger) |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 0 | 0 |
| Earnings | 0 | 52 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 13 | 87 (stronger) |
| Peer percentile | 7th | 18th |
| Total assets | $27.8M | $40.6M |
| Deposits / shares | $23.2M | $34.9M |
| Capital ratio | 15.65% (stronger) | 13.27% |
| Problem loans | 30.07% | 3.69% (stronger) |
| Net charge-offs | -0.07% (stronger) | 1.20% |
| Return on assets | -1.02% | 0.81% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 28.6% |
| Uninsured deposits | 17.6% | 0.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Schaller has the higher TellerScore (59 vs 46). On the 7 directional measures above (where higher or lower is clearly better), American Trust and Savings Bank leads on 3 and State Bank of Schaller on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.