Side-by-side · Q2 2026 data
First American Bank and Trust vs Synergy Bank
Metric by metric
| Measure | First American Bank and Trust | Synergy Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 88 (stronger) | 63 |
| Loan quality | 57 (stronger) | 31 |
| Earnings | 65 | 84 (stronger) |
| Funding & liquidity | 72 (stronger) | 66 |
| Problem-loan coverage | 87 (stronger) | 80 |
| Peer percentile | 70th | 24th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 13.81% (stronger) | 11.26% |
| Problem loans | 1.28% (stronger) | 2.07% |
| Net charge-offs | 0.32% | 0.19% (stronger) |
| Return on assets | 1.11% | 1.60% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 78.5% |
| Uninsured deposits | 32.1% | 29.0% (stronger) |
| Offices | 25 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 5.1% |
First American Bank and Trust has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust leads on 4 and Synergy Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.