| Metric | Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +5.5% | -2.6 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.4 pts |
| ROA | 2.13% | 1.26% | +0.9 pts |
| ROE | 19.6% | 12.2% | +7.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.58B | $1.22B | $1.07B | $178.2M | $16.7M | 2.13% | 3.35% | 2.45% |
| Q1 2026 | $1.56B | $1.21B | $1.06B | $164.0M | $7.6M | 1.94% | 3.15% | 2.46% |
| Q4 2025 | $1.57B | $1.20B | $1.07B | $170.4M | $28.0M | 1.83% | 3.08% | 1.06% |
| Q3 2025 | $1.54B | $1.19B | $1.06B | $157.7M | $20.1M | 1.77% | 3.02% | 1.24% |
| Q2 2025 | $1.53B | $1.19B | $1.06B | $142.8M | $13.1M | 1.75% | 2.99% | 0.92% |
| Q1 2025 | $1.49B | $1.17B | $1.02B | $138.0M | $6.1M | 1.65% | 2.89% | 0.90% |
| Q4 2024 | $1.49B | $1.20B | $1.01B | $142.5M | $22.8M | 1.59% | 2.67% | 0.35% |
| Q3 2024 | $1.44B | $1.17B | $1.01B | $140.4M | $17.9M | 1.68% | 2.67% | 0.51% |
Loan mix (Q2 2026): real estate $907.0M · commercial $55.3M · consumer $5.0M · securities $407.0M
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.3% | 59.0% | 6th |
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 | 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 | 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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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