Side-by-side · Q2 2026 data
The Garrett State Bank vs American Community Bank of Indiana
Metric by metric
| Measure | The Garrett State Bank | American Community Bank of Indiana |
|---|---|---|
| TellerScore | 69 (stronger) | 43 |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 72 (stronger) | 22 |
| Earnings | 97 (stronger) | 63 |
| Funding & liquidity | 43 (stronger) | 32 |
| Problem-loan coverage | 88 (stronger) | 59 |
| Peer percentile | 40th | 3rd |
| Total assets | $399.7M | $383.0M |
| Deposits / shares | $339.4M | $344.8M |
| Capital ratio | 10.47% (stronger) | 9.83% |
| Problem loans | 0.85% (stronger) | 2.33% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.93% (stronger) | 1.08% |
| Loans ÷ deposits | 85.2% (stronger) | 91.4% |
| Uninsured deposits | 44.3% (stronger) | 48.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 0.0% |
The Garrett State Bank has the higher TellerScore (69 vs 43). On the 7 directional measures above (where higher or lower is clearly better), The Garrett State Bank leads on 6 and American Community Bank of Indiana on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.