Side-by-side · Q2 2026 data
First State Bank vs Exchange State Bank
Metric by metric
| Measure | First State Bank | Exchange State Bank |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 62 | 62 |
| Loan quality | 69 (stronger) | 67 |
| Earnings | 48 | 99 (stronger) |
| Funding & liquidity | 85 (stronger) | 46 |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 34th | 47th |
| Total assets | $141.7M | $146.0M |
| Deposits / shares | $117.8M | $117.5M |
| Capital ratio | 11.23% (stronger) | 11.17% |
| Problem loans | 0.92% (stronger) | 1.00% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.71% | 1.97% (stronger) |
| Loans ÷ deposits | 52.6% (stronger) | 103.4% |
| Uninsured deposits | 29.1% | 25.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Exchange State Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.