Side-by-side · Q2 2026 data
American Exchange Bank vs First State Bank
Metric by metric
| Measure | American Exchange Bank | First State Bank |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 85 (stronger) | 59 |
| Loan quality | 56 | 86 (stronger) |
| Earnings | 99 (stronger) | 88 |
| Funding & liquidity | 67 | 82 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 72nd | 75th |
| Total assets | $103.7M | $100.3M |
| Deposits / shares | $89.0M | $88.9M |
| Capital ratio | 13.54% (stronger) | 10.91% |
| Problem loans | 1.32% | 0.43% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.09% |
| Return on assets | 1.99% (stronger) | 1.71% |
| Loans ÷ deposits | 84.8% | 73.9% (stronger) |
| Uninsured deposits | 22.6% | 18.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.7% | — |
First State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.