Side-by-side · Q2 2026 data
First State Bank of Beecher City vs Exchange State Bank
Metric by metric
| Measure | First State Bank of Beecher City | Exchange State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 73 | 98 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 71 | 87 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 92nd | 84th |
| Total assets | $112.2M | $112.7M |
| Deposits / shares | $93.7M | $98.6M |
| Capital ratio | 15.98% (stronger) | 11.47% |
| Problem loans | 0.81% | 0.05% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 2.72% (stronger) | 1.54% |
| Loans ÷ deposits | 87.9% | 62.2% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 25.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Beecher City leads on 4 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.