Side-by-side · Q2 2026 data
Exchange Bank & Trust vs The Farmers State Bank
Metric by metric
| Measure | Exchange Bank & Trust | The Farmers State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 80 | 86 (stronger) |
| Loan quality | 92 (stronger) | 42 |
| Earnings | 88 (stronger) | 73 |
| Funding & liquidity | 89 (stronger) | 88 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 92nd | 45th |
| Total assets | $626.8M | $84.7M |
| Deposits / shares | $539.7M | $77.0M |
| Capital ratio | 12.97% | 13.64% (stronger) |
| Problem loans | 0.23% (stronger) | 1.74% |
| Net charge-offs | 0.01% | -0.08% (stronger) |
| Return on assets | 1.70% (stronger) | 1.32% |
| Loans ÷ deposits | 66.8% | 59.6% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 26.0% |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 8.6% |
Exchange Bank & Trust has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 4 and The Farmers State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.