Side-by-side · Q2 2026 data
Patrons Bank, National Association vs American Bank and Trust Company
Metric by metric
| Measure | Patrons Bank, National Association | American Bank and Trust Company |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 63 | 77 (stronger) |
| Funding & liquidity | 79 (stronger) | 64 |
| Problem-loan coverage | 90 (stronger) | 50 |
| Peer percentile | 40th | 19th |
| Total assets | $314.5M | $324.4M |
| Deposits / shares | $275.4M | $268.9M |
| Capital ratio | 10.77% | 15.32% (stronger) |
| Problem loans | 0.80% (stronger) | 6.26% |
| Net charge-offs | -0.31% (stronger) | 0.30% |
| Return on assets | 1.08% | 1.42% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 71.6% |
| Uninsured deposits | 27.2% (stronger) | 37.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Patrons Bank, National Association has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Patrons Bank, National Association leads on 5 and American Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.