Side-by-side · Q2 2026 data
First State Bank vs American Bank of Commerce
Metric by metric
| Measure | First State Bank | American Bank of Commerce |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 46 | 46 |
| Loan quality | 69 | 95 (stronger) |
| Earnings | 52 | 62 (stronger) |
| Funding & liquidity | 71 (stronger) | 56 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 24th | 49th |
| Total assets | $1.9B | $1.9B |
| Deposits / shares | $1.7B | $1.4B |
| Capital ratio | 9.61% | 9.65% (stronger) |
| Problem loans | 0.94% | 0.15% (stronger) |
| Net charge-offs | 0.40% | 0.11% (stronger) |
| Return on assets | 0.80% | 1.04% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 86.4% |
| Uninsured deposits | 41.4% | 30.8% (stronger) |
| Offices | 14 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 14.7% |
American Bank of Commerce has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and American Bank of Commerce on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.