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Exchange Bank and Trust Company

Natchitoches, LA · Cert 10528 · Exchange Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$212.5MAssets
$104.0MLoans
$191.3MDeposits
$20.5MEquity
Loan mix
96%RE $98.1M1%C&I $1.0M3%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $145.0M24%Noninterest $46.3MQ3 2024Q2 2026

Market Position · Alexandria, LA · 2026 SOD (annual) · 0.0% share · #15 of 15 inst. · $0.0B of $3.4B

12.1% Natchitoches
0.0% Rapides

Executive Summary

  • Earnings: ROA of 1.84%, up 8 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.89% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.42%, down 64 bps from a year ago.
  • Funding: loans stand at 54.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.84%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-11 bps YoY

Efficiency Ratio (YTD, annualized)

45.19%-422 bps YoY

Tier 1 Leverage Ratio

11.42%-64 bps YoY

NIM

4.36%Q2 ’244.67%Q2 ’254.63%Q2 ’26-1%-3%

Non-interest income vs. expense

2.01%Q2 ’242.12%Q2 ’251.88%Q2 ’26+7%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%2.04%1.71%1.76%1.80%1.83%1.81%1.84%+8 bps
Return on Equity22.14%23.17%18.95%19.27%18.82%19.00%19.09%19.35%+7 bps
Net Interest Margin4.25%4.36%3.92%4.07%4.32%4.44%4.01%3.96%-11 bps
Efficiency Ratio45.51%44.51%49.66%49.41%49.35%48.25%47.41%45.19%-422 bps
Non-Interest Burden1.80%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 / Loans1.43%1.59%1.42%0.94%0.83%0.80%0.82%0.89%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.00%0.00%0.00%-0.02%0.00%0 bps
Allowance / Loans1.04%1.04%1.00%0.97%0.94%0.98%0.95%1.03%+6 bps
Allowance Coverage of NPLs0.7x0.7x0.7x1.0x1.1x1.2x1.2x1.2x+0.1x
Capital
Tier 1 Leverage Ratio12.95%12.83%11.82%12.06%13.01%12.76%11.23%11.42%-64 bps
Total Risk-Based Capital12.95%12.83%11.82%12.06%13.01%12.76%11.23%11.42%-64 bps
Equity / Assets9.58%9.37%8.71%9.40%10.85%10.04%9.00%9.64%+24 bps
Liquidity & Funding
Loans / Deposits56.58%57.82%50.97%55.01%59.75%58.77%51.17%54.38%-63 bps
Liquid Assets / Assets42.53%40.91%42.18%36.87%32.78%34.34%34.38%27.86%-901 bps
CRE / Total Capitaln/an/an/an/a106.89%118.86%117.74%n/an/a