Side-by-side · Q2 2026 data
Westamerica Bank vs Exchange Bank
Metric by metric
| Measure | Westamerica Bank | Exchange Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 94 (stronger) | 56 |
| Funding & liquidity | 62 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 86th | 83rd |
| Total assets | $5.8B | $3.2B |
| Deposits / shares | $4.8B | $2.8B |
| Capital ratio | 10.27% | 12.64% (stronger) |
| Problem loans | 0.12% (stronger) | 0.55% |
| Net charge-offs | 0.14% (stronger) | 0.52% |
| Return on assets | 1.84% (stronger) | 0.91% |
| Loans ÷ deposits | 13.8% (stronger) | 62.7% |
| Uninsured deposits | 49.6% | 25.9% (stronger) |
| Offices | 75 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.5% |
Westamerica Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 5 and Exchange Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.