| Metric | The Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 11.4% | 11.9% | -0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.4M | $142.3M | $51.9M | $15.7M | $882K | 1.13% | 3.84% | 0.00% |
| Q1 2026 | $155.4M | $139.9M | $54.9M | $15.1M | $431K | 1.12% | 3.89% | 0.00% |
| Q4 2025 | $153.1M | $137.2M | $52.7M | $15.5M | $1.6M | 1.02% | 3.99% | 0.00% |
| Q3 2025 | $154.3M | $139.1M | $51.0M | $14.7M | $1.1M | 0.94% | 3.98% | 0.09% |
| Q2 2025 | $153.8M | $140.1M | $52.6M | $13.2M | $682K | 0.91% | 4.05% | 2.68% |
| Q1 2025 | $152.1M | $138.3M | $54.3M | $13.3M | $416K | 1.12% | 4.16% | 1.52% |
| Q4 2024 | $144.8M | $131.5M | $55.8M | $12.9M | $1.2M | 0.82% | 3.93% | 1.64% |
| Q3 2024 | $145.6M | $131.1M | $53.4M | $14.0M | $1.0M | 0.95% | 3.83% | 1.98% |
Loan mix (Q2 2026): real estate $34.0M · commercial $12.8M · consumer $1.8M · securities $82.4M
| Ratio | The Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 62.9% | 68th |
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 | The 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% |
| Ratio | The 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% |
| Ratio | The 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% |
| Ratio | The Exchange Bank | 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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