Side-by-side · Q2 2026 data
Exchange Bank vs Bank of the Sierra
Metric by metric
| Measure | Exchange Bank | Bank of the Sierra |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 76 (stronger) | 72 |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 56 | 73 (stronger) |
| Funding & liquidity | 86 (stronger) | 63 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 83rd | 83rd |
| Total assets | $3.2B | $3.7B |
| Deposits / shares | $2.8B | $2.9B |
| Capital ratio | 12.64% (stronger) | 12.25% |
| Problem loans | 0.55% | 0.43% (stronger) |
| Net charge-offs | 0.52% | 0.02% (stronger) |
| Return on assets | 0.91% | 1.33% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 82.9% |
| Uninsured deposits | 25.9% (stronger) | 27.9% |
| Offices | 18 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 3 and Bank of the Sierra on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.