| Metric | Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +22.0% | +5.6% | +16.4 pts |
| ROA | -0.70% | 1.24% | -1.9 pts |
| ROE | -7.1% | 11.9% | -19.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $410.3M | $358.9M | $302.1M | $39.2M | $-1.5M | -0.70% | 5.07% | 0.02% |
| Q1 2026 | $414.3M | $364.4M | $286.3M | $37.9M | $-3.4M | -3.28% | 4.67% | 0.07% |
| Q4 2025 | $424.9M | $344.5M | $266.3M | $46.4M | $5.0M | 1.22% | 4.22% | 0.14% |
| Q3 2025 | $413.5M | $340.3M | $255.3M | $45.8M | $4.1M | 1.36% | 4.19% | 0.53% |
| Q2 2025 | $409.4M | $342.6M | $247.7M | $44.4M | $2.6M | 1.30% | 4.11% | 0.17% |
| Q1 2025 | $406.0M | $329.6M | $240.4M | $43.1M | $1.2M | 1.22% | 3.99% | 0.12% |
| Q4 2024 | $394.8M | $326.8M | $233.8M | $41.9M | $4.5M | 1.17% | 3.80% | 0.34% |
| Q3 2024 | $386.4M | $318.7M | $223.2M | $40.9M | $3.3M | 1.15% | 3.74% | 0.15% |
Loan mix (Q2 2026): real estate $298.4M · commercial $6.7M · consumer $1.4M · securities $63.3M
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -7.1% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 36th |
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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