Side-by-side · Q2 2026 data
Bank of Millbrook vs American Community Bank
Metric by metric
| Measure | Bank of Millbrook | American Community Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 71 | 84 (stronger) |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 86 (stronger) | 32 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $311.7M | $306.5M |
| Deposits / shares | $269.8M | $249.4M |
| Capital ratio | 12.11% | 13.37% (stronger) |
| Problem loans | 1.76% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.23% (stronger) | 1.12% |
| Loans ÷ deposits | 50.3% (stronger) | 99.2% |
| Uninsured deposits | 28.2% (stronger) | 41.3% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | 0.0% |
American Community Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Millbrook leads on 4 and American Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.