Side-by-side · Q2 2026 data
Exchange Bank & Trust vs The Bendena State Bank
Metric by metric
| Measure | Exchange Bank & Trust | The Bendena State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 80 (stronger) | 50 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 88 (stronger) | 85 |
| Funding & liquidity | 89 (stronger) | 68 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 92nd | 68th |
| Total assets | $626.8M | $131.5M |
| Deposits / shares | $539.7M | $114.7M |
| Capital ratio | 12.97% (stronger) | 9.96% |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.70% (stronger) | 1.64% |
| Loans ÷ deposits | 66.8% (stronger) | 74.8% |
| Uninsured deposits | 18.5% (stronger) | 30.6% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 8.5% |
Exchange Bank & Trust has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 5 and The Bendena State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.