Side-by-side · Q2 2026 data
The First National Bank and Trust Company of Miami vs Exchange State Bank
Bank
The First National Bank and Trust Company of Miami
Miami, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank and Trust Company of Miami | Exchange State Bank |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 84 (stronger) | 66 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 52 | 83 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 82nd | 86th |
| Total assets | $191.4M | $105.0M |
| Deposits / shares | $162.6M | $88.1M |
| Capital ratio | 13.42% (stronger) | 11.59% |
| Problem loans | 0.60% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.99% (stronger) | 1.59% |
| Loans ÷ deposits | 82.4% | 77.0% (stronger) |
| Uninsured deposits | 38.6% | 12.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust Company of Miami leads on 2 and Exchange State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.