Side-by-side · Q2 2026 data
Exchange Bank and Trust Company vs RCB Bank
Metric by metric
| Measure | Exchange Bank and Trust Company | RCB Bank |
|---|---|---|
| TellerScore | 65 | 72 (stronger) |
| Capital cushion | 58 (stronger) | 57 |
| Loan quality | 47 | 69 (stronger) |
| Earnings | 95 (stronger) | 79 |
| Funding & liquidity | 63 | 88 (stronger) |
| Problem-loan coverage | 75 | 91 (stronger) |
| Peer percentile | 29th | 66th |
| Total assets | $428.7M | $4.0B |
| Deposits / shares | $385.9M | $3.5B |
| Capital ratio | 10.75% (stronger) | 10.70% |
| Problem loans | 1.59% | 0.94% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.11% |
| Return on assets | 1.88% (stronger) | 1.47% |
| Loans ÷ deposits | 82.6% | 64.9% (stronger) |
| Uninsured deposits | 28.2% | 21.9% (stronger) |
| Offices | 3 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
RCB Bank has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank and Trust Company leads on 3 and RCB Bank on 4. 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.