Side-by-side · Q2 2026 data
Exchange Bank vs Adams Bank & Trust
Metric by metric
| Measure | Exchange Bank | Adams Bank & Trust |
|---|---|---|
| TellerScore | 54 | 82 (stronger) |
| Capital cushion | 64 | 91 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 58 | 69 (stronger) |
| Problem-loan coverage | 60 | 95 (stronger) |
| Peer percentile | 12th | 93rd |
| Total assets | $1.6B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 11.39% | 14.11% (stronger) |
| Problem loans | 3.49% | 0.55% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.13% (stronger) | 1.32% |
| Loans ÷ deposits | 88.0% | 82.4% (stronger) |
| Uninsured deposits | 27.5% | 23.0% (stronger) |
| Offices | 7 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 10.6% |
Adams Bank & Trust has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 2 and Adams Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.