Side-by-side · Q2 2026 data
South Central Bank, Inc. vs American Bank & Trust Company, Inc.
Metric by metric
| Measure | South Central Bank, Inc. | American Bank & Trust Company, Inc. |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 49 | 49 |
| Loan quality | 90 (stronger) | 59 |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 65 (stronger) | 58 |
| Problem-loan coverage | 95 (stronger) | 80 |
| Peer percentile | 66th | 17th |
| Total assets | $2.3B | $924.4M |
| Deposits / shares | $2.0B | $800.0M |
| Capital ratio | 9.88% | 9.88% (stronger) |
| Problem loans | 0.30% (stronger) | 1.22% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.41% (stronger) | 1.04% |
| Loans ÷ deposits | 89.7% (stronger) | 92.3% |
| Uninsured deposits | 20.1% (stronger) | 24.0% |
| Offices | 26 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 4.2% |
South Central Bank, Inc. has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), South Central Bank, Inc. leads on 6 and American Bank & Trust Company, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.