Side-by-side · Q2 2026 data
Highlands Bank vs First Exchange Bank
Metric by metric
| Measure | Highlands Bank | First Exchange Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 49 |
| Capital cushion | 60 (stronger) | 40 |
| Loan quality | 70 (stronger) | 30 |
| Earnings | 71 (stronger) | 57 |
| Funding & liquidity | 71 | 79 (stronger) |
| Problem-loan coverage | 87 (stronger) | 65 |
| Peer percentile | 40th | 6th |
| Total assets | $407.1M | $391.1M |
| Deposits / shares | $356.8M | $356.5M |
| Capital ratio | 11.00% (stronger) | 8.96% |
| Problem loans | 0.91% (stronger) | 2.10% |
| Net charge-offs | -0.00% | -0.03% (stronger) |
| Return on assets | 1.27% (stronger) | 0.93% |
| Loans ÷ deposits | 85.8% | 81.4% (stronger) |
| Uninsured deposits | 18.3% | 14.0% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 35.4% |
Highlands Bank has the higher TellerScore (69 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Highlands Bank leads on 4 and First Exchange Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.