Side-by-side · Q2 2026 data
Prospect Bank vs Philo Exchange Bank
Metric by metric
| Measure | Prospect Bank | Philo Exchange Bank |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 35 | 52 (stronger) |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 30 | 60 (stronger) |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 14th | 64th |
| Total assets | $715.6M | $156.6M |
| Deposits / shares | $603.4M | $130.3M |
| Capital ratio | 8.50% | 10.18% (stronger) |
| Problem loans | 0.45% | 0.02% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 0.26% | 1.01% (stronger) |
| Loans ÷ deposits | 77.9% | 67.6% (stronger) |
| Uninsured deposits | 27.3% | 17.5% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | — |
Philo Exchange Bank has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Prospect Bank leads on 1 and Philo Exchange Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.