Side-by-side · Q2 2026 data
Exchange Bank vs First State Bank
Metric by metric
| Measure | Exchange Bank | First State Bank |
|---|---|---|
| TellerScore | 54 | 84 (stronger) |
| Capital cushion | 64 | 68 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 58 | 60 (stronger) |
| Problem-loan coverage | 60 | 100 (stronger) |
| Peer percentile | 12th | 86th |
| Total assets | $1.6B | $232.5M |
| Deposits / shares | $1.2B | $195.7M |
| Capital ratio | 11.39% | 11.76% (stronger) |
| Problem loans | 3.49% | 0.01% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.13% | 2.57% (stronger) |
| Loans ÷ deposits | 88.0% (stronger) | 89.2% |
| Uninsured deposits | 27.5% | 25.0% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
First State Bank has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 1 and First State Bank on 6. 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.