Exchange Bank and Trust Company
Perry, OK · Cert 13366 · Peer group: banks under $1B in assets in OK (n=88-89) · Perry Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$428.7MAssets
$323.2MLoans
$385.9MDeposits
$37.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in OK (rank 15 of 89).
- Widest gap: equity / assets trails 84% of banks under $1B in assets in OK (rank 75 of 89).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.47%
Rank 28 of 89
Net Interest Margin
3.95%
Rank 43 of 89
Efficiency Ratio
57.54%
Rank 35 of 89
Equity / Assets
8.73%
Rank 75 of 89
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 62% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.85% | 1.26% | 1.60% | Beats 69% | 28 / 89 | |
| Return on Equity | 16.81% | 7.40% | 11.89% | 14.65% | Beats 83% | 15 / 89 | |
| Net Interest Margin | 3.95% | 3.46% | 3.93% | 4.45% | Beats 52% | 43 / 89 | |
| Efficiency Ratio | 57.54% | 54.70% | 60.95% | 71.14% | Beats 62% | 35 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.30% | 0.82% | 2.25% | Beats 35% | 58 / 88 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 43% | 51 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 14.69% | 10.89% | 13.00% | 16.33% | Beats 69% | 28 / 89 | |
| Total Risk-Based Capital Ratio | 16.04% | 11.20% | 13.06% | 16.33% | Beats 72% | 25 / 89 | |
| Equity / Assets | 8.73% | 9.26% | 10.94% | 13.52% | Beats 16% | 75 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 83.75% | 61.51% | 72.27% | 84.01% | 73rd pctl | 24 / 88 | |
| Loans / Assets | 75.38% | 52.51% | 63.15% | 71.27% | 84th pctl | 14 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |