Side-by-side · Q2 2026 data
The First State Bank of Ransom vs The State Exchange Bank
Metric by metric
| Measure | The First State Bank of Ransom | The State Exchange Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 89 (stronger) | 38 |
| Earnings | 68 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 90th | 26th |
| Total assets | $48.9M | $50.9M |
| Deposits / shares | $39.9M | $46.5M |
| Capital ratio | 20.06% (stronger) | 12.25% |
| Problem loans | 0.34% (stronger) | 1.85% |
| Net charge-offs | 0.08% (stronger) | 0.08% |
| Return on assets | 1.19% | 1.22% (stronger) |
| Loans ÷ deposits | 55.9% | 36.2% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 34.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Ransom has the higher TellerScore (91 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Ransom leads on 5 and The State Exchange Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.