Side-by-side · Q2 2026 data
Exchange State Bank vs Central Savings, f.s.b.
Metric by metric
| Measure | Exchange State Bank | Central Savings, f.s.b. |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 98 (stronger) | 81 |
| Earnings | 81 (stronger) | 40 |
| Funding & liquidity | 87 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 84th | 61st |
| Total assets | $112.7M | $111.9M |
| Deposits / shares | $98.6M | $80.6M |
| Capital ratio | 11.47% | 25.49% (stronger) |
| Problem loans | 0.05% (stronger) | 0.57% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.54% (stronger) | 0.49% |
| Loans ÷ deposits | 62.2% (stronger) | 118.3% |
| Uninsured deposits | 25.0% | 9.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (83 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 4 and Central Savings, f.s.b. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.