Side-by-side · Q2 2026 data
The State Bank of Geneva vs Exchange State Bank
Metric by metric
| Measure | The State Bank of Geneva | Exchange State Bank |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 68 (stronger) | 65 |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 47 | 81 (stronger) |
| Funding & liquidity | 82 | 87 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 61st | 84th |
| Total assets | $116.2M | $112.7M |
| Deposits / shares | $102.9M | $98.6M |
| Capital ratio | 11.81% (stronger) | 11.47% |
| Problem loans | 0.16% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.68% | 1.54% (stronger) |
| Loans ÷ deposits | 77.1% | 62.2% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 25.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (83 vs 75). On the 6 directional measures above (where higher or lower is clearly better), The State Bank of Geneva leads on 2 and Exchange State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.