Side-by-side · Q2 2026 data
FNB Bank, Inc. vs American Bank & Trust Company, Inc.
Metric by metric
| Measure | FNB Bank, Inc. | American Bank & Trust Company, Inc. |
|---|---|---|
| TellerScore | 65 (stronger) | 59 |
| Capital cushion | 35 | 49 (stronger) |
| Loan quality | 77 (stronger) | 59 |
| Earnings | 69 (stronger) | 62 |
| Funding & liquidity | 86 (stronger) | 58 |
| Problem-loan coverage | 89 (stronger) | 80 |
| Peer percentile | 29th | 17th |
| Total assets | $770.0M | $924.4M |
| Deposits / shares | $706.4M | $800.0M |
| Capital ratio | 8.48% | 9.88% (stronger) |
| Problem loans | 0.68% (stronger) | 1.22% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.23% (stronger) | 1.04% |
| Loans ÷ deposits | 72.0% (stronger) | 92.3% |
| Uninsured deposits | 17.2% (stronger) | 24.0% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
FNB Bank, Inc. has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 6 and American Bank & Trust Company, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.