Side-by-side · Q2 2026 data
CerescoBank vs American Exchange Bank
Metric by metric
| Measure | CerescoBank | American Exchange Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 72 |
| Capital cushion | 89 (stronger) | 46 |
| Loan quality | 98 (stronger) | 67 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 92nd | 45th |
| Total assets | $81.3M | $69.7M |
| Deposits / shares | $69.0M | $61.8M |
| Capital ratio | 13.85% (stronger) | 9.63% |
| Problem loans | 0.06% (stronger) | 0.98% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.52% | 2.28% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 77.0% |
| Uninsured deposits | 13.7% | 13.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CerescoBank has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 4 and American Exchange Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.