Side-by-side · Q2 2026 data
Exchange Bank and Trust Company vs Watermark Bank
Metric by metric
| Measure | Exchange Bank and Trust Company | Watermark Bank |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 58 | 83 (stronger) |
| Loan quality | 47 | 100 (stronger) |
| Earnings | 95 (stronger) | 73 |
| Funding & liquidity | 63 (stronger) | 44 |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 29th | 80th |
| Total assets | $428.7M | $450.5M |
| Deposits / shares | $385.9M | $387.4M |
| Capital ratio | 10.75% | 13.29% (stronger) |
| Problem loans | 1.59% | 0.00% (stronger) |
| Net charge-offs | 0.07% | -0.02% (stronger) |
| Return on assets | 1.88% (stronger) | 1.34% |
| Loans ÷ deposits | 82.6% (stronger) | 97.1% |
| Uninsured deposits | 28.2% (stronger) | 32.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watermark Bank has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank and Trust Company leads on 3 and Watermark Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.