Side-by-side · Q2 2026 data
North Shore Bank vs American Community Bank & Trust
Metric by metric
| Measure | North Shore Bank | American Community Bank & Trust |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 94 (stronger) | 56 |
| Loan quality | 97 (stronger) | 67 |
| Earnings | 61 | 75 (stronger) |
| Funding & liquidity | 66 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 95th | 33rd |
| Total assets | $2.6B | $1.2B |
| Deposits / shares | $2.2B | $1.0B |
| Capital ratio | 14.45% (stronger) | 10.61% |
| Problem loans | 0.10% (stronger) | 1.00% |
| Net charge-offs | 0.02% | -0.09% (stronger) |
| Return on assets | 1.02% | 1.38% (stronger) |
| Loans ÷ deposits | 94.5% | 77.7% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 47.2% |
| Offices | 42 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.8% | 1.8% |
North Shore Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), North Shore Bank leads on 4 and American Community Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.