No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.0M | $88.1M | $67.9M | $12.2M | $833K | 1.59% | 4.53% | 0.00% |
| Q1 2026 | $104.8M | $88.6M | $67.0M | $11.8M | $398K | 1.52% | 4.45% | 0.02% |
| Q4 2025 | $104.0M | $88.3M | $65.3M | $11.5M | $1.3M | 1.26% | 3.95% | 0.01% |
| Q3 2025 | $104.0M | $88.4M | $62.1M | $11.2M | $929K | 1.21% | 3.82% | 0.00% |
| Q2 2025 | $102.6M | $87.4M | $58.5M | $10.9M | $586K | 1.15% | 3.74% | 0.08% |
| Q1 2025 | $101.6M | $86.6M | $57.3M | $10.6M | $272K | 1.07% | 3.67% | 0.06% |
| Q4 2024 | $101.0M | $86.3M | $56.6M | $10.3M | $841K | 0.87% | 3.44% | 0.08% |
| Q3 2024 | $98.5M | $83.5M | $56.4M | $10.1M | $586K | 0.82% | 3.37% | 0.08% |
Loan mix (Q2 2026): real estate $38.7M · commercial $11.1M · consumer $3.0M · securities $15.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Exchange State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 51.1% |
| 62.9% |
| — |
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.