Side-by-side · Q2 2026 data
Philo Exchange Bank vs First State Bank of Campbell Hill
Metric by metric
| Measure | Philo Exchange Bank | First State Bank of Campbell Hill |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 52 | 88 (stronger) |
| Loan quality | 99 (stronger) | 47 |
| Earnings | 60 | 85 (stronger) |
| Funding & liquidity | 90 (stronger) | 83 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 64th | 64th |
| Total assets | $156.6M | $160.1M |
| Deposits / shares | $130.3M | $136.8M |
| Capital ratio | 10.18% | 13.82% (stronger) |
| Problem loans | 0.02% (stronger) | 1.59% |
| Net charge-offs | 0.13% | 0.02% (stronger) |
| Return on assets | 1.01% | 1.62% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 77.5% |
| Uninsured deposits | 17.5% | 14.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Philo Exchange Bank leads on 2 and First State Bank of Campbell Hill on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.