Side-by-side · Q2 2026 data
NBT Financial Bank vs American Bank, National Association
Metric by metric
| Measure | NBT Financial Bank | American Bank, National Association |
|---|---|---|
| TellerScore | 50 | 77 (stronger) |
| Capital cushion | 59 | 59 |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 72 | 85 (stronger) |
| Funding & liquidity | 35 | 46 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 7th | 68th |
| Total assets | $618.7M | $625.2M |
| Deposits / shares | $540.1M | $557.1M |
| Capital ratio | 10.85% | 10.86% (stronger) |
| Problem loans | 2.29% | 0.01% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.29% | 1.63% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 86.3% |
| Uninsured deposits | 51.8% | 39.6% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | 2.9% |
American Bank, National Association has the higher TellerScore (77 vs 50). On the 7 directional measures above (where higher or lower is clearly better), NBT Financial Bank leads on 1 and American Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.