Side-by-side · Q2 2026 data
State Central Bank vs Exchange Bank Co.
Metric by metric
| Measure | State Central Bank | Exchange Bank Co. |
|---|---|---|
| TellerScore | 84 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 63 (stronger) | 56 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 83 | 93 (stronger) |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 76th | 40th |
| Total assets | $63.2M | $341.5M |
| Deposits / shares | $50.6M | $306.1M |
| Capital ratio | 16.11% (stronger) | 9.11% |
| Problem loans | 1.11% (stronger) | 1.33% |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 1.57% | 2.01% (stronger) |
| Loans ÷ deposits | 71.7% | 67.4% (stronger) |
| Uninsured deposits | 20.4% | 12.4% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Central Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), State Central Bank leads on 3 and Exchange Bank Co. on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.