Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs Bank Five Nine
Metric by metric
| Measure | National Exchange Bank and Trust | Bank Five Nine |
|---|---|---|
| TellerScore | 88 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 88 (stronger) | 36 |
| Earnings | 88 (stronger) | 73 |
| Funding & liquidity | 59 | 63 (stronger) |
| Problem-loan coverage | 98 (stronger) | 68 |
| Peer percentile | 98th | 12th |
| Total assets | $2.9B | $2.5B |
| Deposits / shares | $2.3B | $2.1B |
| Capital ratio | 20.06% (stronger) | 9.77% |
| Problem loans | 0.37% (stronger) | 1.91% |
| Net charge-offs | -0.07% (stronger) | 0.03% |
| Return on assets | 1.69% (stronger) | 1.32% |
| Loans ÷ deposits | 73.1% (stronger) | 97.3% |
| Uninsured deposits | 40.1% | 14.8% (stronger) |
| Offices | 32 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 4.8% |
National Exchange Bank and Trust has the higher TellerScore (88 vs 54). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 6 and Bank Five Nine on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.