Side-by-side · Q2 2026 data
Exchange State Bank vs Union Savings Bank
Metric by metric
| Measure | Exchange State Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 66 |
| Capital cushion | 65 (stronger) | 45 |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 81 (stronger) | 32 |
| Funding & liquidity | 87 | 91 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 84th | 31st |
| Total assets | $112.7M | $182.0M |
| Deposits / shares | $98.6M | $166.1M |
| Capital ratio | 11.47% (stronger) | 9.52% |
| Problem loans | 0.05% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.54% (stronger) | 0.31% |
| Loans ÷ deposits | 62.2% (stronger) | 69.4% |
| Uninsured deposits | 25.0% | 6.6% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Exchange State Bank has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 6 and Union Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.