Side-by-side · Q2 2026 data
Belmont Savings Bank, SSB vs American Bank of the Carolinas
Metric by metric
| Measure | Belmont Savings Bank, SSB | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 79 (stronger) | 73 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 38 | 78 (stronger) |
| Funding & liquidity | 43 | 51 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $161.0M | $214.0M |
| Deposits / shares | $111.3M | $183.8M |
| Capital ratio | 12.88% (stronger) | 12.27% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.45% | 1.45% (stronger) |
| Loans ÷ deposits | 121.4% | 90.6% (stronger) |
| Uninsured deposits | 21.8% (stronger) | 31.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 69). On the 6 directional measures above (where higher or lower is clearly better), Belmont Savings Bank, SSB leads on 2 and American Bank of the Carolinas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.