Side-by-side · Q2 2026 data
First National Bank in Fredonia vs Exchange State Bank
Metric by metric
| Measure | First National Bank in Fredonia | Exchange State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 76 | 84 (stronger) |
| Funding & liquidity | 81 | 83 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 91st | 86th |
| Total assets | $104.4M | $105.0M |
| Deposits / shares | $92.5M | $88.1M |
| Capital ratio | 16.73% (stronger) | 11.59% |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | -0.46% (stronger) | 0.00% |
| Return on assets | 1.41% | 1.59% (stronger) |
| Loans ÷ deposits | 31.8% (stronger) | 77.0% |
| Uninsured deposits | 32.3% | 12.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank in Fredonia has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Fredonia leads on 4 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.