| Metric | Exchange Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.1 pts |
| Loan growth (YoY) | -6.5% | +5.3% | -11.9 pts |
| ROA | 1.70% | 1.28% | +0.4 pts |
| ROE | 13.8% | 12.4% | +1.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $626.8M | $539.7M | $360.3M | $79.7M | $5.3M | 1.70% | 4.06% | 0.14% |
| Q1 2026 | $627.4M | $542.4M | $360.9M | $77.1M | $2.6M | 1.64% | 3.98% | 0.04% |
| Q4 2025 | $631.3M | $543.5M | $372.6M | $75.9M | $9.5M | 1.57% | 4.05% | 0.03% |
| Q3 2025 | $592.8M | $510.8M | $380.5M | $74.3M | $7.5M | 1.68% | 4.04% | 0.03% |
| Q2 2025 | $595.4M | $516.7M | $385.6M | $71.2M | $4.9M | 1.63% | 4.00% | 0.04% |
| Q1 2025 | $601.4M | $525.5M | $378.9M | $68.2M | $2.3M | 1.52% | 3.88% | 0.14% |
| Q4 2024 | $591.8M | $519.2M | $387.0M | $65.2M | $7.6M | 1.33% | 3.77% | 0.04% |
| Q3 2024 | $562.9M | $490.2M | $385.2M | $65.1M | $5.9M | 1.40% | 3.72% | 0.05% |
Loan mix (Q2 2026): real estate $236.0M · commercial $34.6M · consumer $64.4M · securities $181.7M
| Ratio | Exchange Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 61.2% | 18th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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