No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.0M | $117.5M | $121.5M | $15.6M | $1.4M | 1.98% | 3.83% | 0.84% |
| Q1 2026 | $146.4M | $117.6M | $120.8M | $15.1M | $739K | 2.02% | 3.87% | 0.80% |
| Q4 2025 | $146.3M | $115.8M | $123.6M | $14.5M | $2.7M | 1.88% | 3.70% | 0.30% |
| Q3 2025 | $142.6M | $104.9M | $121.1M | $14.5M | $2.0M | 1.84% | 3.66% | 0.00% |
| Q2 2025 | $137.9M | $109.8M | $117.1M | $14.1M | $1.3M | 1.78% | 3.62% | 0.00% |
| Q1 2025 | $145.7M | $118.3M | $118.0M | $13.6M | $586K | 1.63% | 3.49% | 0.00% |
| Q4 2024 | $141.9M | $115.0M | $118.5M | $13.0M | $2.3M | 1.71% | 3.52% | 0.00% |
| Q3 2024 | $138.8M | $106.1M | $117.1M | $13.6M | $1.8M | 1.76% | 3.56% | 0.00% |
Loan mix (Q2 2026): real estate $82.8M · commercial $11.9M · consumer $1.3M · securities $12.6M
| Ratio | Exchange State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.3% | 62.9% | 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 State 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 State 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 State 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 State Bank | 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.