Side-by-side · Q2 2026 data
Exchange Bank vs West Coast Community Bank
Metric by metric
| Measure | Exchange Bank | West Coast Community Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 76 (stronger) | 70 |
| Loan quality | 82 | 83 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 86 (stronger) | 26 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 83rd | 77th |
| Total assets | $3.2B | $2.9B |
| Deposits / shares | $2.8B | $2.5B |
| Capital ratio | 12.64% (stronger) | 12.05% |
| Problem loans | 0.55% | 0.50% (stronger) |
| Net charge-offs | 0.52% | 0.39% (stronger) |
| Return on assets | 0.91% | 2.02% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 88.6% |
| Uninsured deposits | 25.9% (stronger) | 56.3% |
| Offices | 18 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Exchange Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 4 and West Coast Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.