Side-by-side · Q2 2026 data
Exchange Bank vs Pinnacle Bank
Metric by metric
| Measure | Exchange Bank | Pinnacle Bank |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 64 (stronger) | 49 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 58 | 60 (stronger) |
| Problem-loan coverage | 60 | 97 (stronger) |
| Peer percentile | 12th | 74th |
| Total assets | $1.6B | $9.2B |
| Deposits / shares | $1.2B | $8.1B |
| Capital ratio | 11.39% (stronger) | 9.92% |
| Problem loans | 3.49% | 0.07% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.13% (stronger) | 1.49% |
| Loans ÷ deposits | 88.0% | 83.0% (stronger) |
| Uninsured deposits | 27.5% (stronger) | 30.9% |
| Offices | 7 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 4.8% |
Pinnacle Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 3 and Pinnacle 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.