Side-by-side · Q2 2026 data
Exchange State Bank vs The State Bank of Pearl City
Metric by metric
| Measure | Exchange State Bank | The State Bank of Pearl City |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 65 (stronger) | 63 |
| Loan quality | 98 (stronger) | 77 |
| Earnings | 81 (stronger) | 48 |
| Funding & liquidity | 87 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 84th | 42nd |
| Total assets | $112.7M | $73.4M |
| Deposits / shares | $98.6M | $65.7M |
| Capital ratio | 11.47% (stronger) | 11.31% |
| Problem loans | 0.05% (stronger) | 0.69% |
| Net charge-offs | 0.00% | -0.22% (stronger) |
| Return on assets | 1.54% (stronger) | 0.71% |
| Loans ÷ deposits | 62.2% | 48.4% (stronger) |
| Uninsured deposits | 25.0% | 21.6% (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 71). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 4 and The State Bank of Pearl City on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.