Bank Comparison
American Bank & Trust vs Golden Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| CET1 Ratio | 15.30% | 15.25% |
| Tier 1 Capital Ratio | 15.30% | 15.25% |
| Total Capital Ratio | 16.37% | 16.50% |
| Tier 1 Leverage Ratio | 11.49% | 13.43% |
| Equity / Assets | 10.68% | 13.30% |
Profitability
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.48% |
| Return on Equity (ROE) | 11.52% | 11.28% |
| Net Interest Margin (NIM) | 3.72% | 3.62% |
| Yield on Earning Assets | 5.68% | 6.36% |
| Cost of Funds | 2.11% | 3.17% |
Asset quality
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.78% | 13.36% |
| Non-Performing Loan Ratio | 0.51% | 2.25% |
| Non-Performing Asset Ratio | 0.35% | 1.92% |
| Net Charge-Off Ratio | 0.02% | -0.12% |
| ACL / Loans | 1.12% | 1.30% |
Balance sheet
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| Total Assets | $2,242M | $2,248M |
| Total Deposits | $1,957M | $1,886M |
| Total Loans | $1,561M | $1,911M |
| Total Equity | $239,592K | $299,026K |
| Net Income (quarter) | $6,732K | $8,319K |
Liquidity & funding
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 79.73% | 101.30% |
| Core Deposit Ratio | 87.52% | 71.94% |
| Uninsured Deposit Ratio | 36.68% | 21.42% |
Identity
| Metric | American Bank & Trust | Golden Bank, N.A. |
|---|---|---|
| Headquarters City | SIOUX FALLS | HOUSTON |
| Headquarters State | SD | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 18558 |
| Regulator | FDIC | OCC |
| Domestic Branches | 20 | 11 |
| Employees (FTE) | 212 | 149 |
| Established | Jan. 1, 1892, midnight | May 3, 1985, 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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