Side-by-side · Q2 2026 data
Exchange Bank & Trust vs The Denison State Bank
Metric by metric
| Measure | Exchange Bank & Trust | The Denison State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 87 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 92 (stronger) | 64 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 92nd | 91st |
| Total assets | $626.8M | $453.6M |
| Deposits / shares | $539.7M | $369.3M |
| Capital ratio | 12.97% | 17.53% (stronger) |
| Problem loans | 0.23% (stronger) | 1.08% |
| Net charge-offs | 0.01% (stronger) | 0.81% |
| Return on assets | 1.70% | 2.00% (stronger) |
| Loans ÷ deposits | 66.8% (stronger) | 81.4% |
| Uninsured deposits | 18.5% | 16.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 7.2% |
Exchange Bank & Trust has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 4 and The Denison State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.