Side-by-side · Q2 2026 data
The State Exchange Bank vs First State Bank
Metric by metric
| Measure | The State Exchange Bank | First State Bank |
|---|---|---|
| TellerScore | 42 | 82 (stronger) |
| Capital cushion | 57 | 82 (stronger) |
| Loan quality | 0 | 57 (stronger) |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 77 | 94 (stronger) |
| Problem-loan coverage | 25 | 89 (stronger) |
| Peer percentile | 5th | 70th |
| Total assets | $89.6M | $89.8M |
| Deposits / shares | $78.6M | $79.2M |
| Capital ratio | 10.65% | 13.18% (stronger) |
| Problem loans | 6.88% | 1.28% (stronger) |
| Net charge-offs | 0.57% | 0.00% (stronger) |
| Return on assets | 0.87% | 2.09% (stronger) |
| Loans ÷ deposits | 77.5% | 61.3% (stronger) |
| Uninsured deposits | 20.5% | 18.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (82 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The State Exchange Bank leads on 0 and First State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.