Side-by-side · Q2 2026 data
Exchange State Bank vs Community State Bank
Metric by metric
| Measure | Exchange State Bank | Community State Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 62 | 67 (stronger) |
| Loan quality | 67 | 94 (stronger) |
| Earnings | 99 (stronger) | 74 |
| Funding & liquidity | 46 | 52 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 47th | 80th |
| Total assets | $146.0M | $1.7B |
| Deposits / shares | $117.5M | $1.3B |
| Capital ratio | 11.17% | 11.67% (stronger) |
| Problem loans | 1.00% | 0.19% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.97% (stronger) | 1.34% |
| Loans ÷ deposits | 103.4% | 101.2% (stronger) |
| Uninsured deposits | 25.0% | 21.7% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 5.6% |
Community State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 1 and Community State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.