Side-by-side · Q2 2026 data
Exchange Bank vs Summit State Bank
Metric by metric
| Measure | Exchange Bank | Summit State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 42 |
| Capital cushion | 76 (stronger) | 58 |
| Loan quality | 82 (stronger) | 19 |
| Earnings | 56 (stronger) | 23 |
| Funding & liquidity | 86 (stronger) | 62 |
| Problem-loan coverage | 93 (stronger) | 64 |
| Peer percentile | 83rd | 3rd |
| Total assets | $3.2B | $959.8M |
| Deposits / shares | $2.8B | $846.1M |
| Capital ratio | 12.64% (stronger) | 10.84% |
| Problem loans | 0.55% (stronger) | 2.43% |
| Net charge-offs | 0.52% (stronger) | 2.17% |
| Return on assets | 0.91% (stronger) | 0.07% |
| Loans ÷ deposits | 62.7% (stronger) | 88.2% |
| Uninsured deposits | 25.9% | 24.4% (stronger) |
| Offices | 18 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Exchange Bank has the higher TellerScore (77 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 6 and Summit State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.