| Metric | Exchange State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.2 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 16.3% | 11.9% | +4.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.7M | $98.6M | $61.3M | $10.5M | $855K | 1.54% | 3.24% | 0.03% |
| Q1 2026 | $112.3M | $98.4M | $61.3M | $10.3M | $387K | 1.40% | 3.13% | 0.00% |
| Q4 2025 | $109.1M | $93.9M | $61.9M | $10.6M | $1.2M | 1.07% | 3.15% | 0.00% |
| Q3 2025 | $111.6M | $97.9M | $60.3M | $10.4M | $1.1M | 1.29% | 3.08% | 0.00% |
| Q2 2025 | $112.7M | $99.8M | $57.2M | $9.6M | $702K | 1.29% | 3.00% | 0.00% |
| Q1 2025 | $103.9M | $91.2M | $57.3M | $9.3M | $334K | 1.25% | 3.03% | 0.00% |
| Q4 2024 | $109.9M | $97.3M | $60.6M | $9.3M | $1.1M | 1.04% | 2.91% | 0.00% |
| Q3 2024 | $109.3M | $96.2M | $56.7M | $9.8M | $921K | 1.17% | 2.87% | 0.00% |
Loan mix (Q2 2026): real estate $29.8M · commercial $19.3M · consumer $1.8M · securities $35.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Exchange State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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 |
|---|---|---|---|---|
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 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $98.6M branch deposits. Biggest market: Carroll, IL, ranked 3rd with 14.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carroll, IL | 1 | $98.6M | 14.45% | 3rd |
Illinois: 363rd with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (25 bps of assets, 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).