Side-by-side · Q2 2026 data
Exchange State Bank vs First Federal Savings and Loan Bank
Metric by metric
| Measure | Exchange State Bank | First Federal Savings and Loan Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 66 | 73 (stronger) |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 86th | 57th |
| Total assets | $105.0M | $109.5M |
| Deposits / shares | $88.1M | $91.8M |
| Capital ratio | 11.59% | 12.27% (stronger) |
| Problem loans | 0.00% (stronger) | 1.28% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.59% | 3.31% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 93.4% |
| Uninsured deposits | 12.5% (stronger) | 18.6% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.7% |
Exchange State Bank has the higher TellerScore (84 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 4 and First Federal Savings and Loan Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.