Natchitoches, LA · Cert 10528 · Exchange Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
41
Profitability
82
Liquidity
25
Efficiency
93
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Natchitoches, LA · Cert 10528 · Exchange Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 0.0% share · #15 of 15 inst. · $0.0B of $3.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 2.04% | 1.71% | 1.76% | 1.80% | 1.83% | 1.81% | 1.84% | +8 bps | |
| Return on Equity | 22.14% | 23.17% | 18.95% | 19.27% | 18.82% | 19.00% | 19.09% | 19.35% | +7 bps | |
| Net Interest Margin | 4.25% | 4.36% | 3.92% | 4.07% | 4.32% | 4.44% | 4.01% | 3.96% | -11 bps | |
| Efficiency Ratio | 45.51% | 44.51% | 49.66% | 49.41% | 49.35% | 48.25% | 47.41% | 45.19% | -422 bps | |
| Non-Interest Burden | 1.80% | 1.71% | 1.83% | 1.89% | 2.01% | 2.02% | 1.79% | 1.68% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | 3.73% | 9.21% | 6.26% | 2.28% | 7.09% | 8.16% | 7.51% | +126 bps | |
| Loan Growth (YoY) | 7.27% | 6.18% | 7.35% | 10.71% | 6.40% | 7.96% | 8.20% | 6.00% | -471 bps | |
| Deposit Growth (YoY) | 2.98% | 2.47% | 8.56% | 5.34% | 0.76% | 6.22% | 7.78% | 7.22% | +188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.59% | 1.42% | 0.94% | 0.83% | 0.80% | 0.82% | 0.89% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | -0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.00% | 0.97% | 0.94% | 0.98% | 0.95% | 1.03% | +6 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 1.0x | 1.1x | 1.2x | 1.2x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.95% | 12.83% | 11.82% | 12.06% | 13.01% | 12.76% | 11.23% | 11.42% | -64 bps | |
| Total Risk-Based Capital | 12.95% | 12.83% | 11.82% | 12.06% | 13.01% | 12.76% | 11.23% | 11.42% | -64 bps | |
| Equity / Assets | 9.58% | 9.37% | 8.71% | 9.40% | 10.85% | 10.04% | 9.00% | 9.64% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.58% | 57.82% | 50.97% | 55.01% | 59.75% | 58.77% | 51.17% | 54.38% | -63 bps | |
| Liquid Assets / Assets | 42.53% | 40.91% | 42.18% | 36.87% | 32.78% | 34.34% | 34.38% | 27.86% | -901 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 106.89% | 118.86% | 117.74% | n/a | n/a | |
Natchitoches, LA · Cert 10528 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Exchange Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.80%
Rank 90 of 746
Net Interest Margin
3.96%
Rank 262 of 746
Efficiency Ratio
45.19%
Rank 54 of 746
Equity / Assets
9.64%
Rank 473 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.80% | 0.72% | 1.06% | 1.45% | Beats 88% | 90 / 746 | ||
| Return on Equity | 18.67% | 6.74% | 10.51% | 13.63% | Beats 94% | 43 / 746 | ||
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 65% | 262 / 746 | ||
| Efficiency Ratio | 45.19% | 55.74% | 64.58% | 75.47% | Beats 93% | 54 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.09% | 0.42% | 1.07% | Beats 30% | 520 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 368 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.42% | 11.55% | 13.75% | 17.60% | Beats 23% | 571 / 746 | ||
| Total Risk-Based Capital Ratio | 11.42% | 11.71% | 14.33% | 18.43% | Beats 22% | 584 / 746 | ||
| Equity / Assets | 9.64% | 8.90% | 10.51% | 13.06% | Beats 37% | 473 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.38% | 61.31% | 78.27% | 90.78% | 16th pctl | 623 / 746 | ||
| Loans / Assets | 48.94% | 53.60% | 66.97% | 76.08% | 19th pctl | 601 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||