Side-by-side · Q2 2026 data
The Exchange Bank of Alabama vs State Bank & Trust
Metric by metric
| Measure | The Exchange Bank of Alabama | State Bank & Trust |
|---|---|---|
| TellerScore | 91 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 99 (stronger) | 83 |
| Earnings | 69 (stronger) | 56 |
| Funding & liquidity | 82 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 96th | 24th |
| Total assets | $392.5M | $413.0M |
| Deposits / shares | $336.4M | $362.6M |
| Capital ratio | 15.30% (stronger) | 9.01% |
| Problem loans | 0.04% (stronger) | 0.51% |
| Net charge-offs | 0.04% (stronger) | 0.23% |
| Return on assets | 1.21% (stronger) | 0.89% |
| Loans ÷ deposits | 61.0% (stronger) | 76.1% |
| Uninsured deposits | 30.3% (stronger) | 31.7% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
The Exchange Bank of Alabama has the higher TellerScore (91 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Exchange Bank of Alabama leads on 7 and State Bank & Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.