Side-by-side · Q2 2026 data
Readlyn Savings Bank vs Exchange State Bank
Metric by metric
| Measure | Readlyn Savings Bank | Exchange State Bank |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 0 | 67 (stronger) |
| Earnings | 91 | 99 (stronger) |
| Funding & liquidity | 66 (stronger) | 46 |
| Problem-loan coverage | 79 | 85 (stronger) |
| Peer percentile | 31st | 47th |
| Total assets | $148.3M | $146.0M |
| Deposits / shares | $111.6M | $117.5M |
| Capital ratio | 19.30% (stronger) | 11.17% |
| Problem loans | 3.04% | 1.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.77% | 1.97% (stronger) |
| Loans ÷ deposits | 84.9% (stronger) | 103.4% |
| Uninsured deposits | 23.6% (stronger) | 25.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Exchange State Bank has the higher TellerScore (71 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Readlyn Savings Bank leads on 3 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.