First Exchange Bank
White Hall, WV · Cert 13020 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Heritage Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$391.1MAssets
$294.7MLoans
$356.5MDeposits
$31.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 46% of banks under $1B in assets operating in a single state (rank 400 of 746).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets operating in a single state (rank 687 of 743).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.72%
Rank 558 of 746
Net Interest Margin
3.46%
Rank 467 of 746
Efficiency Ratio
70.13%
Rank 469 of 746
Equity / Assets
7.94%
Rank 651 of 746
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 37% 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 | 0.72% | 0.72% | 1.06% | 1.45% | Beats 25% | 558 / 746 | | |
| Return on Equity | 9.07% | 6.74% | 10.51% | 13.63% | Beats 41% | 443 / 746 | | |
| Net Interest Margin | 3.46% | 3.17% | 3.68% | 4.16% | Beats 37% | 467 / 746 | | |
| Efficiency Ratio | 70.13% | 55.74% | 64.58% | 75.47% | Beats 37% | 469 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.10% | 0.09% | 0.42% | 1.07% | Beats 11% | 664 / 743 | | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.01% | 0.05% | Beats 8% | 687 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.55% | 13.75% | 17.60% | Beats 39% | 456 / 746 | | |
| Total Risk-Based Capital Ratio | 14.02% | 11.71% | 14.33% | 18.43% | Beats 46% | 400 / 746 | | |
| Equity / Assets | 7.94% | 8.90% | 10.51% | 13.06% | Beats 13% | 651 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.66% | 61.31% | 78.27% | 90.78% | 59th pctl | 306 / 746 | | |
| Loans / Assets | 75.36% | 53.60% | 66.97% | 76.08% | 72nd pctl | 206 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |