Side-by-side · Q2 2026 data
Bank of Pontiac vs American Community Bank & Trust
Metric by metric
| Measure | Bank of Pontiac | American Community Bank & Trust |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 54 | 56 (stronger) |
| Loan quality | 91 (stronger) | 67 |
| Earnings | 71 | 75 (stronger) |
| Funding & liquidity | 58 (stronger) | 47 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 66th | 33rd |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.0B | $1.0B |
| Capital ratio | 10.35% | 10.61% (stronger) |
| Problem loans | 0.27% (stronger) | 1.00% |
| Net charge-offs | 0.30% | -0.09% (stronger) |
| Return on assets | 1.28% | 1.38% (stronger) |
| Loans ÷ deposits | 82.9% | 77.7% (stronger) |
| Uninsured deposits | 32.6% (stronger) | 47.2% |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | 1.8% |
Bank of Pontiac has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pontiac leads on 3 and American Community Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.