| Metric | Exchange Bank Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.2 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 22.2% | 11.9% | +10.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.5M | $306.1M | $206.3M | $32.3M | $3.5M | 2.01% | 4.34% | 0.82% |
| Q1 2026 | $357.6M | $324.5M | $204.8M | $30.4M | $1.8M | 2.05% | 4.31% | 0.42% |
| Q4 2025 | $334.7M | $301.3M | $199.5M | $30.8M | $5.2M | 1.64% | 4.42% | 1.06% |
| Q3 2025 | $323.8M | $289.8M | $198.7M | $30.9M | $3.8M | 1.60% | 4.38% | 1.08% |
| Q2 2025 | $320.4M | $288.2M | $189.7M | $29.1M | $2.1M | 1.35% | 4.29% | 1.00% |
| Q1 2025 | $313.0M | $281.4M | $187.6M | $28.7M | $977K | 1.27% | 4.24% | 1.10% |
| Q4 2024 | $302.8M | $270.5M | $181.2M | $27.2M | $2.8M | 0.94% | 3.94% | 1.15% |
| Q3 2024 | $244.0M | $217.3M | $148.5M | $22.7M | $2.1M | 1.22% | 4.06% | 0.98% |
Loan mix (Q2 2026): real estate $153.7M · commercial $23.5M · consumer $4.5M · securities $92.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 11.9% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 62.9% | 22nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Exchange Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 5 counties across 1 state (+0 vs 2025) · $306.1M branch deposits. Biggest market: Clark, MO, ranked 2nd with 44.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, MO | 2 | $107.2M | 44.19% | 2nd |
| Scotland, MO | 1 | $71.3M | 45.32% | 1st |
| Schuyler, MO | 2 | $67.6M | 76.40% | 1st |
| 2 more counties with Pro → | ||||
Missouri: 127th with 0.10% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7
Technology spend down 93% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).