Side-by-side · Q2 2026 data
Exchange Bank & Trust vs First State Bank and Trust
Metric by metric
| Measure | Exchange Bank & Trust | First State Bank and Trust |
|---|---|---|
| TellerScore | 88 (stronger) | 66 |
| Capital cushion | 80 (stronger) | 36 |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 88 (stronger) | 67 |
| Funding & liquidity | 89 (stronger) | 82 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 92nd | 31st |
| Total assets | $626.8M | $514.9M |
| Deposits / shares | $539.7M | $457.6M |
| Capital ratio | 12.97% (stronger) | 8.64% |
| Problem loans | 0.23% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 1.70% (stronger) | 1.18% |
| Loans ÷ deposits | 66.8% (stronger) | 72.7% |
| Uninsured deposits | 18.5% (stronger) | 20.3% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 17.6% |
Exchange Bank & Trust has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 7 and First State Bank and Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.