Exchange Bank and Trust Company
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
$212.5MAssets
$104.0MLoans
$191.3MDeposits
$20.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks under $1B in assets operating in a single state (rank 43 of 746).
- Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets operating in a single state (rank 584 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 93% of banks under $1B in assets operating in a single state | 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 |