Side-by-side · Q2 2026 data
Ninnescah Valley Bank vs The State Exchange Bank
Metric by metric
| Measure | Ninnescah Valley Bank | The State Exchange Bank |
|---|---|---|
| TellerScore | 57 | 65 (stronger) |
| Capital cushion | 70 | 72 (stronger) |
| Loan quality | 0 | 38 (stronger) |
| Earnings | 73 (stronger) | 69 |
| Funding & liquidity | 93 (stronger) | 78 |
| Problem-loan coverage | 70 | 86 (stronger) |
| Peer percentile | 16th | 26th |
| Total assets | $44.6M | $50.9M |
| Deposits / shares | $40.5M | $46.5M |
| Capital ratio | 12.04% | 12.25% (stronger) |
| Problem loans | 3.54% | 1.85% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 1.32% (stronger) | 1.22% |
| Loans ÷ deposits | 44.4% | 36.2% (stronger) |
| Uninsured deposits | 21.6% (stronger) | 34.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Exchange Bank has the higher TellerScore (65 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ninnescah Valley Bank leads on 3 and The State Exchange Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.