Side-by-side · Q2 2026 data
Exchange Bank vs Union Bank and Trust Company
Metric by metric
| Measure | Exchange Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 54 | 76 (stronger) |
| Capital cushion | 64 (stronger) | 56 |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 58 | 69 (stronger) |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 12th | 80th |
| Total assets | $1.6B | $9.2B |
| Deposits / shares | $1.2B | $7.5B |
| Capital ratio | 11.39% (stronger) | 10.65% |
| Problem loans | 3.49% | 0.32% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 2.13% (stronger) | 1.66% |
| Loans ÷ deposits | 88.0% (stronger) | 91.6% |
| Uninsured deposits | 27.5% | 11.8% (stronger) |
| Offices | 7 | 37 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 11.7% |
Union Bank and Trust Company has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 4 and Union Bank and Trust Company on 3. 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.