Side-by-side · Q2 2026 data
First American Bank and Trust vs Patterson State Bank
Metric by metric
| Measure | First American Bank and Trust | Patterson State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 50 |
| Capital cushion | 88 (stronger) | 39 |
| Loan quality | 57 (stronger) | 41 |
| Earnings | 65 (stronger) | 45 |
| Funding & liquidity | 72 | 79 (stronger) |
| Problem-loan coverage | 87 (stronger) | 73 |
| Peer percentile | 70th | 7th |
| Total assets | $1.4B | $330.7M |
| Deposits / shares | $1.2B | $296.3M |
| Capital ratio | 13.81% (stronger) | 8.92% |
| Problem loans | 1.28% (stronger) | 1.78% |
| Net charge-offs | 0.32% (stronger) | 0.36% |
| Return on assets | 1.11% (stronger) | 0.61% |
| Loans ÷ deposits | 69.5% | 64.2% (stronger) |
| Uninsured deposits | 32.1% | 30.4% (stronger) |
| Offices | 25 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
First American Bank and Trust has the higher TellerScore (73 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust leads on 5 and Patterson State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.