Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs American Bank of the Carolinas
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 81 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 35 | 78 (stronger) |
| Funding & liquidity | 72 (stronger) | 51 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 80th | 77th |
| Total assets | $114.5M | $214.0M |
| Deposits / shares | $77.7M | $183.8M |
| Capital ratio | 25.46% (stronger) | 12.27% |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.37% | 1.45% (stronger) |
| Loans ÷ deposits | 84.7% (stronger) | 90.6% |
| Uninsured deposits | 18.3% (stronger) | 31.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morganton Savings Bank, S.S.B. has the higher TellerScore (81 vs 80). On the 6 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 4 and American Bank of the Carolinas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.