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
Monroe, NC
Health score
90.5
Total assets
$214.0M
Bank
Morganton, NC
Health score
82.7
Total assets
$114.5M
Answer first
American Bank of the Carolinas leads on financial health and profitability and lending quality and growth; Morganton Savings Bank, S.S.B. leads on capitalization. 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 of the Carolinas
Higher TFS health score
Capitalization
Morganton Savings Bank, S.S.B.
Higher comparable capital ratio
Profitability
American Bank of the Carolinas
Higher return on assets
Lending quality
American Bank of the Carolinas
Lower problem-loan measure
Growth
American Bank of the Carolinas
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 of the Carolinas | Morganton Savings Bank, S.S.B. |
|---|---|---|
| TFS health score | 90.5/100Leads | 82.7/100 |
| Total assets | $214.0M | $114.5M |
| Total deposits / shares | $183.8M | $77.7M |
| Tier 1 capital ratio | 12.27% | 25.46%Leads |
| Return on assets | 1.45%Leads | 0.37% |
| Return on equity | 12.65%Leads |
American Bank of the Carolinas
3 branches
Morganton Savings Bank, S.S.B.
1 branches
Both institutions report branches in 1 state: NC.
American Bank of the Carolinas
Unavailable
Morganton Savings Bank, S.S.B.
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 of the Carolinas
0 in TFS registry
Morganton Savings Bank, S.S.B.
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 of the Carolinas score | American Bank of the Carolinas ROA | Morganton Savings Bank, S.S.B. score | Morganton Savings Bank, S.S.B. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.40% | — | 1.60% |
| 2024-Q4 | — | 1.29% | — | 0.69% |
| 2025-Q1 | — | 1.04% | — | 0.26% |
| 2025-Q2 | — | 1.14% | — | 0.36% |
| 2025-Q3 | — | 1.24% | — | 0.45% |
| 2025-Q4 | — | 1.31% | — | 0.22% |
| 2026-Q1 | 82.9/100 |
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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.
| 1.43% |
| Non-performing loans | 0.00%Leads | 0.21% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 57.66%Leads | 89.28% |
| Loan-to-deposit ratio | 90.62% | 84.70% |
| Asset growth (YoY) | 8.01%Leads | 6.23% |
| Deposit / share growth (YoY) | 7.63% | 9.01%Leads |
| Branches | 3 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.40% |
| 82.5/100 |
| 0.20% |
| 2026-Q2 | 90.5/100 | 1.45% | 82.7/100 | 0.37% |