Side-by-side · Q2 2026 data
Exchange Bank & Trust vs The Union State Bank of Everest
Metric by metric
| Measure | Exchange Bank & Trust | The Union State Bank of Everest |
|---|---|---|
| TellerScore | 88 (stronger) | 68 |
| Capital cushion | 80 (stronger) | 50 |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 88 (stronger) | 85 |
| Funding & liquidity | 89 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 92nd | 37th |
| Total assets | $626.8M | $427.3M |
| Deposits / shares | $539.7M | $382.0M |
| Capital ratio | 12.97% (stronger) | 9.99% |
| Problem loans | 0.23% (stronger) | 1.06% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.70% (stronger) | 1.62% |
| Loans ÷ deposits | 66.8% (stronger) | 80.8% |
| Uninsured deposits | 18.5% (stronger) | 19.1% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 6.0% |
Exchange Bank & Trust has the higher TellerScore (88 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 6 and The Union State Bank of Everest on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Atchison, KS