Side-by-side · Q2 2026 data
The Fidelity Bank vs American Bank of the Carolinas
Metric by metric
| Measure | The Fidelity Bank | American Bank of the Carolinas |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 65 | 73 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 89 (stronger) | 78 |
| Funding & liquidity | 65 (stronger) | 51 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 86th | 77th |
| Total assets | $4.7B | $214.0M |
| Deposits / shares | $4.2B | $183.8M |
| Capital ratio | 11.47% | 12.27% (stronger) |
| Problem loans | 0.42% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.73% (stronger) | 1.45% |
| Loans ÷ deposits | 69.2% (stronger) | 90.6% |
| Uninsured deposits | 38.2% | 31.7% (stronger) |
| Offices | 57 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 2 and American Bank of the Carolinas on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.