Side-by-side · Q2 2026 data
Bank of America, National Association vs American Bank of the Carolinas
Metric by metric
| Measure | Bank of America, National Association | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 21 | 73 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 65 | 78 (stronger) |
| Funding & liquidity | 70 (stronger) | 51 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 31st | 77th |
| Total assets | $2.7T | $214.0M |
| Deposits / shares | $2.1T | $183.8M |
| Capital ratio | 7.11% | 12.27% (stronger) |
| Problem loans | 0.65% | 0.00% (stronger) |
| Net charge-offs | 0.47% | 0.00% (stronger) |
| Return on assets | 1.13% | 1.45% (stronger) |
| Loans ÷ deposits | 56.5% (stronger) | 90.6% |
| Uninsured deposits | 42.4% | 31.7% (stronger) |
| Offices | 3,759 | 3 |
| CFPB complaints (3 yrs) | 55,528 | — |
| Complaints per $1B deposits | 26.2 | — |
| Mortgage denial rate (HMDA) | 44.7% | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bank of America, National Association leads on 1 and American Bank of the Carolinas on 6. 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.