Side-by-side · Q2 2026 data
The State Exchange Bank vs Community State Bank
Metric by metric
| Measure | The State Exchange Bank | Community State Bank |
|---|---|---|
| TellerScore | 42 (stronger) | 41 |
| Capital cushion | 57 (stronger) | 25 |
| Loan quality | 0 | 5 (stronger) |
| Earnings | 55 (stronger) | 52 |
| Funding & liquidity | 77 | 94 (stronger) |
| Problem-loan coverage | 25 | 79 (stronger) |
| Peer percentile | 5th | 4th |
| Total assets | $89.6M | $89.7M |
| Deposits / shares | $78.6M | $82.8M |
| Capital ratio | 10.65% (stronger) | 7.49% |
| Problem loans | 6.88% | 2.85% (stronger) |
| Net charge-offs | 0.57% | 0.05% (stronger) |
| Return on assets | 0.87% (stronger) | 0.79% |
| Loans ÷ deposits | 77.5% | 32.7% (stronger) |
| Uninsured deposits | 20.5% | 20.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Exchange Bank has the higher TellerScore (42 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The State Exchange Bank leads on 3 and Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.