Side-by-side · Q2 2026 data
The Exchange State Bank vs Defiance State Bank
Metric by metric
| Measure | The Exchange State Bank | Defiance State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 81 | 97 (stronger) |
| Earnings | 61 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 40th | 33rd |
| Total assets | $52.7M | $42.6M |
| Deposits / shares | $47.9M | $33.5M |
| Capital ratio | 9.51% | 9.86% (stronger) |
| Problem loans | 0.57% | 0.08% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.02% (stronger) | 0.71% |
| Loans ÷ deposits | 58.6% (stronger) | 95.3% |
| Uninsured deposits | 10.5% | 8.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Exchange State Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Exchange State Bank leads on 4 and Defiance State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.