Side-by-side · Q2 2026 data
Union State Bank vs Exchange Bank & Trust
Metric by metric
| Measure | Union State Bank | Exchange Bank & Trust |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 52 | 80 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 71 | 88 (stronger) |
| Funding & liquidity | 87 | 89 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 64th | 92nd |
| Total assets | $719.1M | $626.8M |
| Deposits / shares | $633.3M | $539.7M |
| Capital ratio | 10.25% | 12.97% (stronger) |
| Problem loans | 0.19% (stronger) | 0.23% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.27% | 1.70% (stronger) |
| Loans ÷ deposits | 68.4% | 66.8% (stronger) |
| Uninsured deposits | 19.1% | 18.5% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 10.7% |
Exchange Bank & Trust has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 1 and Exchange Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.