Side-by-side · Q2 2026 data
Town & Country Bank vs Exchange Bank
Metric by metric
| Measure | Town & Country Bank | Exchange Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 54 |
| Capital cushion | 91 (stronger) | 64 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 60 |
| Peer percentile | 97th | 12th |
| Total assets | $228.9M | $1.6B |
| Deposits / shares | $194.1M | $1.2B |
| Capital ratio | 14.09% (stronger) | 11.39% |
| Problem loans | 0.00% (stronger) | 3.49% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.69% | 2.13% (stronger) |
| Loans ÷ deposits | 78.4% (stronger) | 88.0% |
| Uninsured deposits | 15.4% (stronger) | 27.5% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.6% |
Town & Country Bank has the higher TellerScore (92 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 6 and Exchange Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.