Side-by-side · Q2 2026 data
The Bank of Romney vs First Exchange Bank
Metric by metric
| Measure | The Bank of Romney | First Exchange Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 42 (stronger) | 30 |
| Earnings | 75 (stronger) | 57 |
| Funding & liquidity | 66 | 79 (stronger) |
| Problem-loan coverage | 85 (stronger) | 65 |
| Peer percentile | 57th | 6th |
| Total assets | $368.8M | $391.1M |
| Deposits / shares | $283.5M | $356.5M |
| Capital ratio | 15.97% (stronger) | 8.96% |
| Problem loans | 1.73% (stronger) | 2.10% |
| Net charge-offs | 0.23% | -0.03% (stronger) |
| Return on assets | 1.37% (stronger) | 0.93% |
| Loans ÷ deposits | 94.2% | 81.4% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 14.0% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 35.4% |
The Bank of Romney has the higher TellerScore (74 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Romney leads on 5 and First Exchange Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.