Side-by-side · Q2 2026 data
Exchange State Bank vs First Central State Bank
Metric by metric
| Measure | Exchange State Bank | First Central State Bank |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 65 | 84 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 81 (stronger) | 77 |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 84th | 84th |
| Total assets | $112.7M | $772.4M |
| Deposits / shares | $98.6M | $595.4M |
| Capital ratio | 11.47% | 13.39% (stronger) |
| Problem loans | 0.05% (stronger) | 0.21% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.54% (stronger) | 1.43% |
| Loans ÷ deposits | 62.2% (stronger) | 82.4% |
| Uninsured deposits | 25.0% (stronger) | 26.7% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 5 and First Central State Bank on 1. 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.