Side-by-side · Q2 2026 data
Exchange Bank & Trust vs Mid-America Bank
Metric by metric
| Measure | Exchange Bank & Trust | Mid-America Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 76 |
| Capital cushion | 80 (stronger) | 52 |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 88 | 89 (stronger) |
| Funding & liquidity | 89 (stronger) | 61 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 92nd | 64th |
| Total assets | $626.8M | $573.3M |
| Deposits / shares | $539.7M | $456.4M |
| Capital ratio | 12.97% (stronger) | 10.18% |
| Problem loans | 0.23% | 0.13% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.70% | 1.72% (stronger) |
| Loans ÷ deposits | 66.8% (stronger) | 99.4% |
| Uninsured deposits | 18.5% | 13.6% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Exchange Bank & Trust has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 4 and Mid-America Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.