Bank Comparison
American Bank vs Oneunited Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| CET1 Ratio | 15.54% | — |
| Tier 1 Capital Ratio | 15.54% | — |
| Total Capital Ratio | 16.80% | — |
| Tier 1 Leverage Ratio | 10.91% | 10.83% |
| Equity / Assets | 9.62% | 9.88% |
Profitability
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| Return on Assets (ROA) | 1.36% | -1.15% |
| Return on Equity (ROE) | 14.52% | -11.56% |
| Net Interest Margin (NIM) | 4.03% | 2.37% |
| Yield on Earning Assets | 5.45% | 4.03% |
| Cost of Funds | 1.51% | 1.61% |
Asset quality
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| Texas Ratio | 1.59% | 1.27% |
| Non-Performing Loan Ratio | 0.27% | 0.19% |
| Non-Performing Asset Ratio | 0.17% | 0.13% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 1.71% | 0.40% |
Balance sheet
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| Total Assets | $608,481K | $609,027K |
| Total Deposits | $543,255K | $481,925K |
| Total Loans | $386,818K | $405,288K |
| Total Equity | $58,540K | $60,185K |
| Net Income (quarter) | $2,113K | $-1,776 |
Liquidity & funding
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.20% | 84.10% |
| Core Deposit Ratio | 96.93% | 98.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Bank | Oneunited Bank |
|---|---|---|
| Headquarters City | BOZEMAN | BOSTON |
| Headquarters State | MT | MA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 80 | 104 |
| Established | July 27, 1970, midnight | Aug. 2, 1982, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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