Side-by-side · Q2 2026 data
Exchange Bank vs Commercial Banking Company
Metric by metric
| Measure | Exchange Bank | Commercial Banking Company |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 69 (stronger) | 53 |
| Loan quality | 99 | 99 |
| Earnings | 0 | 98 (stronger) |
| Funding & liquidity | 70 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 31st | 75th |
| Total assets | $410.3M | $409.5M |
| Deposits / shares | $358.9M | $361.6M |
| Capital ratio | 11.93% (stronger) | 10.32% |
| Problem loans | 0.03% (stronger) | 0.04% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | -0.70% | 1.94% (stronger) |
| Loans ÷ deposits | 84.2% | 83.3% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 33.1% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.6% |
Commercial Banking Company has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 3 and Commercial Banking Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.