Side-by-side · Q2 2026 data
Exchange Bank vs Great Oaks Bank
Metric by metric
| Measure | Exchange Bank | Great Oaks Bank |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 69 (stronger) | 53 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 0 | 77 (stronger) |
| Funding & liquidity | 70 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 31st | 64th |
| Total assets | $410.3M | $422.0M |
| Deposits / shares | $358.9M | $374.4M |
| Capital ratio | 11.93% (stronger) | 10.25% |
| Problem loans | 0.03% (stronger) | 0.10% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | -0.70% | 1.42% (stronger) |
| Loans ÷ deposits | 84.2% | 73.2% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 27.4% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.7% |
Great Oaks Bank has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 3 and Great Oaks Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.