Side-by-side · Q2 2026 data
Community Bank of Santa Maria vs American Continental Bank
Metric by metric
| Measure | Community Bank of Santa Maria | American Continental Bank |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 63 | 80 (stronger) |
| Funding & liquidity | 63 (stronger) | 59 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 50th | 91st |
| Total assets | $396.5M | $385.3M |
| Deposits / shares | $350.4M | $316.7M |
| Capital ratio | 10.49% | 16.23% (stronger) |
| Problem loans | 0.15% (stronger) | 0.37% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.07% | 1.49% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 89.2% |
| Uninsured deposits | 27.0% | 25.8% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.4% |
American Continental Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Santa Maria leads on 3 and American Continental Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.