Side-by-side · Q2 2026 data
MCNB Bank and Trust Co. vs First Exchange Bank
Metric by metric
| Measure | MCNB Bank and Trust Co. | First Exchange Bank |
|---|---|---|
| TellerScore | 50 (stronger) | 49 |
| Capital cushion | 73 (stronger) | 40 |
| Loan quality | 0 | 30 (stronger) |
| Earnings | 55 | 57 (stronger) |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 62 | 65 (stronger) |
| Peer percentile | 7th | 6th |
| Total assets | $356.5M | $391.1M |
| Deposits / shares | $292.2M | $356.5M |
| Capital ratio | 12.29% (stronger) | 8.96% |
| Problem loans | 3.22% | 2.10% (stronger) |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 0.87% | 0.93% (stronger) |
| Loans ÷ deposits | 86.1% | 81.4% (stronger) |
| Uninsured deposits | 15.8% | 14.0% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | 35.4% |
MCNB Bank and Trust Co. has the higher TellerScore (50 vs 49). On the 7 directional measures above (where higher or lower is clearly better), MCNB Bank and Trust Co. leads on 2 and First Exchange Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.