Side-by-side · Q2 2026 data
Exchange Bank vs The First State Bank
Metric by metric
| Measure | Exchange Bank | The First State Bank |
|---|---|---|
| TellerScore | 54 | 90 (stronger) |
| Capital cushion | 64 | 81 (stronger) |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 58 | 83 (stronger) |
| Problem-loan coverage | 60 | 99 (stronger) |
| Peer percentile | 12th | 95th |
| Total assets | $1.6B | $493.2M |
| Deposits / shares | $1.2B | $406.6M |
| Capital ratio | 11.39% | 13.05% (stronger) |
| Problem loans | 3.49% | 0.10% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.14% |
| Return on assets | 2.13% (stronger) | 1.85% |
| Loans ÷ deposits | 88.0% | 68.5% (stronger) |
| Uninsured deposits | 27.5% | 23.1% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
The First State Bank has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 2 and The First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.