This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Waco, TX
Health score
87.5
Total assets
$625.2M
Bank
Fort Worth, TX
Health score
80.9
Total assets
$618.7M
Answer first
American Bank, National Association leads on financial health and profitability and lending quality; NBT Financial Bank leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
American Bank, National Association
Higher TFS health score
Capitalization
Too close to call
Higher comparable capital ratio
Profitability
American Bank, National Association
Higher return on assets
Lending quality
American Bank, National Association
Lower problem-loan measure
Growth
NBT Financial Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | American Bank, National Association | NBT Financial Bank |
|---|---|---|
| TFS health score | 87.5/100Leads | 80.9/100 |
| Total assets | $625.2M | $618.7M |
| Total deposits / shares | $557.1M | $540.1M |
| Tier 1 capital ratio | 10.86% | 10.85% |
| Return on assets | 1.63%Leads | 1.29% |
| Return on equity | 15.86%Leads | 12.30% |
American Bank, National Association
4 branches
NBT Financial Bank
5 branches
Both institutions report branches in 1 state: TX.
American Bank, National Association
Unavailable
NBT Financial Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
American Bank, National Association
0 in TFS registry
NBT Financial Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | American Bank, National Association score | American Bank, National Association ROA | NBT Financial Bank score | NBT Financial Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.81% | — | 1.10% |
| 2024-Q4 | — | 0.91% | — | 1.13% |
| 2025-Q1 | — | 1.03% | — | 1.14% |
| 2025-Q2 | — | 1.09% | — | 1.16% |
| 2025-Q3 | — | 1.30% | — | 1.14% |
| 2025-Q4 | — | 1.39% | — | 1.18% |
| 2026-Q1 | 89.3/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.01%Leads | 2.29% |
| Net charge-offs | -0.00%Leads | 0.02% |
| Efficiency ratio | 59.93%Leads | 63.02% |
| Loan-to-deposit ratio | 86.29% | 83.78% |
| Asset growth (YoY) | 1.94% | 15.46%Leads |
| Deposit / share growth (YoY) | 1.22% | 14.77%Leads |
| Branches | 4 | 5 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.63% |
| 83.3/100 |
| 1.48% |
| 2026-Q2 | 87.5/100 | 1.63% | 80.9/100 | 1.29% |