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Exchange Bank, The

Skiatook, OK · Cert 10672 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Skiatook Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$158.4MAssets
$52.8MLoans
$142.3MDeposits
$15.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Tulsa, OK area (rank 3 of 18).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in the Tulsa, OK area (rank 17 of 18).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.11%

Rank 13 of 18

Net Interest Margin

3.50%

Rank 17 of 18

Efficiency Ratio

69.78%

Rank 15 of 18

Equity / Assets

9.89%

Rank 12 of 18

Non-interest income vs. expense

$1.0M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 22% of banks under $1B in assets in the Tulsa, OK area
Bank 69.78%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.11%0.94%1.44%1.74%Beats 28%13 / 18
Return on Equity11.26%9.63%12.74%15.04%Beats 33%12 / 18
Net Interest Margin3.50%3.75%4.31%4.83%Beats 6%17 / 18
Efficiency Ratio69.78%53.05%62.57%69.59%Beats 22%15 / 18
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.41%0.86%Beats 100%3 / 18
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%4 / 18
Capital
Tier 1 Capital Ratio12.10%11.17%13.04%15.32%Beats 33%12 / 18
Total Risk-Based Capital Ratio12.10%11.17%13.81%15.32%Beats 28%13 / 18
Equity / Assets9.89%9.28%11.57%13.43%Beats 33%12 / 18
Liquidity & Funding
Loans / Deposits37.12%72.39%85.72%91.52%0th pctl18 / 18
Loans / Assets33.36%60.70%74.00%81.85%0th pctl18 / 18
Brokered Deposits / Depositsn/aNot reported for this institution