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
Chicago, IL
Health score
75.8
Total assets
$119.1M
Bank
Sullivan, IL
Health score
75.3
Total assets
$119.7M
Answer first
American Metro Bank leads on financial health and capitalization and lending quality; First Community Bank of Moultrie County leads on profitability and 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 Metro Bank
Higher TFS health score
Capitalization
American Metro Bank
Higher comparable capital ratio
Profitability
First Community Bank of Moultrie County
Higher return on assets
Lending quality
American Metro Bank
Lower problem-loan measure
Growth
First Community Bank of Moultrie County
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 Metro Bank | First Community Bank of Moultrie County |
|---|---|---|
| TFS health score | 75.8/100Leads | 75.3/100 |
| Total assets | $119.1M | $119.7M |
| Total deposits / shares | $88.0M | $109.7M |
| Tier 1 capital ratio | 13.10%Leads | 9.13% |
| Return on assets | 1.07% | 1.24%Leads |
| Return on equity | 7.91% | 16.96% |
American Metro Bank
2 branches
First Community Bank of Moultrie County
3 branches
Both institutions report branches in 1 state: IL.
American Metro Bank
Unavailable
First Community Bank of Moultrie County
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 Metro Bank
0 in TFS registry
First Community Bank of Moultrie County
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 Metro Bank score | American Metro Bank ROA | First Community Bank of Moultrie County score | First Community Bank of Moultrie County ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.23% | — | 1.02% |
| 2024-Q4 | — | 1.05% | — | 1.02% |
| 2025-Q1 | — | 0.75% | — | 1.13% |
| 2025-Q2 | — | 0.90% | — | 1.11% |
| 2025-Q3 | — | 0.92% | — | 1.13% |
| 2025-Q4 | — | 0.93% | — | 1.15% |
| 2026-Q1 | 79.8/100 |
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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.
| Non-performing loans | 0.00%Leads | 0.10% |
| Net charge-offs | -0.03%Leads | 0.02% |
| Efficiency ratio | 71.61% | 65.77%Leads |
| Loan-to-deposit ratio | 108.30% | 47.88% |
| Asset growth (YoY) | 7.25% | 7.47%Leads |
| Deposit / share growth (YoY) | 0.50% | 6.73%Leads |
| Branches | 2 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.04% |
| 73.9/100 |
| 1.22% |
| 2026-Q2 | 75.8/100 | 1.07% | 75.3/100 | 1.24% |