Side-by-side · Q2 2026 data
First Federal Bank vs American Bank of the Carolinas
Metric by metric
| Measure | First Federal Bank | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 42 | 73 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 32 | 78 (stronger) |
| Funding & liquidity | 64 (stronger) | 51 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 17th | 77th |
| Total assets | $275.6M | $214.0M |
| Deposits / shares | $250.5M | $183.8M |
| Capital ratio | 9.25% | 12.27% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.29% | 1.45% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 90.6% |
| Uninsured deposits | 29.9% (stronger) | 31.7% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank leads on 3 and American Bank of the Carolinas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.