American Interstate Bank vs Bank of Bearden
Side-by-side bank health comparison using FDIC financial data
American Interstate Bank (A) and Bank of Bearden (A) are close on the BankHealth rubric. Asset bases: $140M versus $69M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
American Interstate Bank has a stronger Bank Health Score of 100/100 (A) compared to Bank of Bearden at 100/100 (A), a difference of 0 points. American Interstate Bank holds a Tier 1 capital ratio of 18.7% and an NPL ratio of 0.00%.
| Metric | American Interstate Bank | Bank of Bearden |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.7% | 19.5%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 39.2% | 44.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 4.3%* | 2.3% |
| Total Assets | $140M | $69M |
| Total Deposits | $118M | $63M |
| Location | Elkhorn, Nebraska | Bearden, Arkansas |
American Interstate Bank has a stronger Bank Health Score of 100/100 (A) compared to Bank of Bearden at 100/100 (A), a difference of 0 points. American Interstate Bank holds a Tier 1 capital ratio of 18.7% and an NPL ratio of 0.00%.