Side-by-side · Q2 2026 data
Exchange State Bank vs United Bank & Trust Co.
Metric by metric
| Measure | Exchange State Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 71 (stronger) | 63 |
| Capital cushion | 62 (stronger) | 55 |
| Loan quality | 67 (stronger) | 48 |
| Earnings | 99 (stronger) | 70 |
| Funding & liquidity | 46 | 83 (stronger) |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 47th | 24th |
| Total assets | $146.0M | $120.1M |
| Deposits / shares | $117.5M | $106.7M |
| Capital ratio | 11.17% (stronger) | 10.46% |
| Problem loans | 1.00% (stronger) | 1.57% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.97% (stronger) | 1.24% |
| Loans ÷ deposits | 103.4% | 63.7% (stronger) |
| Uninsured deposits | 25.0% (stronger) | 27.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Exchange State Bank has the higher TellerScore (71 vs 63). On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 5 and United Bank & Trust Co. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.