Side-by-side · Q2 2026 data
The State Exchange Bank vs First Bank & Trust Company
Metric by metric
| Measure | The State Exchange Bank | First Bank & Trust Company |
|---|---|---|
| TellerScore | 42 | 78 (stronger) |
| Capital cushion | 57 | 63 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 55 | 89 (stronger) |
| Funding & liquidity | 77 | 85 (stronger) |
| Problem-loan coverage | 25 | 92 (stronger) |
| Peer percentile | 5th | 72nd |
| Total assets | $89.6M | $255.2M |
| Deposits / shares | $78.6M | $229.3M |
| Capital ratio | 10.65% | 11.34% (stronger) |
| Problem loans | 6.88% | 0.73% (stronger) |
| Net charge-offs | 0.57% (stronger) | 1.63% |
| Return on assets | 0.87% | 1.73% (stronger) |
| Loans ÷ deposits | 77.5% | 65.1% (stronger) |
| Uninsured deposits | 20.5% (stronger) | 23.8% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.9% |
First Bank & Trust Company has the higher TellerScore (78 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The State Exchange Bank leads on 2 and First Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.