First Exchange Bank
Total assets
$391.1M
▲ +3.8% YoY
Deposits
$356.5M
▲ +3.9% YoY
Loans
$290.3M
▼ -0.6% YoY
Offices
7
HERITAGE BANCSHARES INC
ROA (annualized)
0.93%
peers 1.24%
ROE (annualized)
11.74%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 11.7% | 11.9% | -0.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
Profile
- Established
- 1932
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HERITAGE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1 Heritage Way, White Hall, WV, 26554
- County
- Marion
- Metro area
- Fairmont, WV
- Offices
- 7
- FDIC cert #
- 13020
- RSSD ID
- 170332
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $391.1M | $356.5M | $290.3M | $31.1M | $1.8M | 0.93% | 3.79% | 1.58% |
| Q1 2026 | $385.2M | $350.9M | $287.7M | $30.5M | $851K | 0.89% | 3.73% | 1.96% |
| Q4 2025 | $376.5M | $341.1M | $288.4M | $30.2M | $1.8M | 0.46% | 3.47% | 1.94% |
| Q3 2025 | $376.6M | $340.9M | $286.6M | $29.9M | $1.3M | 0.46% | 3.39% | 2.20% |
| Q2 2025 | $376.8M | $343.0M | $292.2M | $28.7M | $713K | 0.37% | 3.31% | 2.12% |
| Q1 2025 | $383.5M | $348.5M | $294.2M | $29.3M | $588K | 0.61% | 3.18% | 1.69% |
| Q4 2024 | $381.6M | $340.8M | $297.7M | $28.3M | $1.8M | 0.47% | 3.14% | 1.62% |
| Q3 2024 | $385.9M | $340.9M | $300.2M | $29.8M | $1.6M | 0.54% | 3.10% | 1.28% |
Loan mix (Q2 2026): real estate $263.2M · commercial $19.1M · consumer $11.2M · securities $29.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 69th | |
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% |
Balance sheet
| Ratio | First 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% |
Capital
| Ratio | First 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% |
Credit quality
| Ratio | First 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% |
Franchise
| Ratio | First Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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