Side-by-side · Q2 2026 data
Nantahala Bank & Trust Company vs American Bank of the Carolinas
Metric by metric
| Measure | Nantahala Bank & Trust Company | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 79 (stronger) | 78 |
| Funding & liquidity | 81 (stronger) | 51 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 53rd | 77th |
| Total assets | $288.8M | $214.0M |
| Deposits / shares | $260.4M | $183.8M |
| Capital ratio | 9.43% | 12.27% (stronger) |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.47% (stronger) | 1.45% |
| Loans ÷ deposits | 74.0% (stronger) | 90.6% |
| Uninsured deposits | 19.7% (stronger) | 31.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Nantahala Bank & Trust Company leads on 3 and American Bank of the Carolinas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.