Side-by-side · Q2 2026 data
United Bank of Iowa vs Exchange State Bank
Metric by metric
| Measure | United Bank of Iowa | Exchange State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 53 | 62 (stronger) |
| Loan quality | 91 (stronger) | 67 |
| Earnings | 72 | 99 (stronger) |
| Funding & liquidity | 72 (stronger) | 46 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 70th | 47th |
| Total assets | $2.5B | $146.0M |
| Deposits / shares | $2.0B | $117.5M |
| Capital ratio | 10.34% | 11.17% (stronger) |
| Problem loans | 0.26% (stronger) | 1.00% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.29% | 1.97% (stronger) |
| Loans ÷ deposits | 84.4% (stronger) | 103.4% |
| Uninsured deposits | 18.2% (stronger) | 25.0% |
| Offices | 36 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 1.8% |
United Bank of Iowa has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 5 and Exchange State Bank on 2. 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.