Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Exchange State Bank
Metric by metric
| Measure | First State Bank Shannon-Polo | Exchange State Bank |
|---|---|---|
| TellerScore | 51 | 83 (stronger) |
| Capital cushion | 53 | 65 (stronger) |
| Loan quality | 12 | 98 (stronger) |
| Earnings | 58 | 81 (stronger) |
| Funding & liquidity | 93 (stronger) | 87 |
| Problem-loan coverage | 67 | 99 (stronger) |
| Peer percentile | 8th | 84th |
| Total assets | $190.5M | $112.7M |
| Deposits / shares | $167.1M | $98.6M |
| Capital ratio | 10.31% | 11.47% (stronger) |
| Problem loans | 2.64% | 0.05% (stronger) |
| Net charge-offs | 0.53% | 0.00% (stronger) |
| Return on assets | 0.94% | 1.54% (stronger) |
| Loans ÷ deposits | 64.6% | 62.2% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 25.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 1 and Exchange State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.