Side-by-side · Q2 2026 data
The Citizens Bank of Edmond vs Exchange Bank and Trust Company
Metric by metric
| Measure | The Citizens Bank of Edmond | Exchange Bank and Trust Company |
|---|---|---|
| TellerScore | 57 | 65 (stronger) |
| Capital cushion | 35 | 58 (stronger) |
| Loan quality | 79 (stronger) | 47 |
| Earnings | 42 | 95 (stronger) |
| Funding & liquidity | 64 (stronger) | 63 |
| Problem-loan coverage | 87 (stronger) | 75 |
| Peer percentile | 14th | 29th |
| Total assets | $432.4M | $428.7M |
| Deposits / shares | $387.8M | $385.9M |
| Capital ratio | 8.50% | 10.75% (stronger) |
| Problem loans | 0.63% (stronger) | 1.59% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.54% | 1.88% (stronger) |
| Loans ÷ deposits | 96.2% | 82.6% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 28.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Exchange Bank and Trust Company has the higher TellerScore (65 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Edmond leads on 3 and Exchange Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.