Side-by-side · Q2 2026 data
Wisdom Heritage Bank vs The State Exchange Bank
Metric by metric
| Measure | Wisdom Heritage Bank | The State Exchange Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 42 |
| Capital cushion | 92 (stronger) | 57 |
| Loan quality | 57 (stronger) | 0 |
| Earnings | 63 (stronger) | 55 |
| Funding & liquidity | 95 (stronger) | 77 |
| Problem-loan coverage | 90 (stronger) | 25 |
| Peer percentile | 72nd | 5th |
| Total assets | $601.3M | $89.6M |
| Deposits / shares | $505.8M | $78.6M |
| Capital ratio | 14.22% (stronger) | 10.65% |
| Problem loans | 1.28% (stronger) | 6.88% |
| Net charge-offs | -0.09% (stronger) | 0.57% |
| Return on assets | 1.06% (stronger) | 0.87% |
| Loans ÷ deposits | 59.4% (stronger) | 77.5% |
| Uninsured deposits | 19.3% (stronger) | 20.5% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wisdom Heritage Bank has the higher TellerScore (78 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Wisdom Heritage Bank leads on 7 and The State Exchange Bank on 0. 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.