Exchange Bank
Milledgeville, GA · Cert 160 · Peer group: banks under $1B in assets in GA (n=58-59) · Exchange Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$410.3MAssets
$306.6MLoans
$358.9MDeposits
$39.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks under $1B in assets in GA (rank 6 of 58).
- Widest gap: return on equity trails 98% of banks under $1B in assets in GA (rank 58 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.71%
Rank 57 of 59
Net Interest Margin
4.70%
Rank 17 of 59
Efficiency Ratio
58.09%
Rank 24 of 59
Equity / Assets
9.56%
Rank 42 of 59
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 61% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.71% | 0.94% | 1.46% | 1.76% | Beats 3% | 57 / 59 | |
| Return on Equity | -7.47% | 7.92% | 11.60% | 15.10% | Beats 2% | 58 / 59 | |
| Net Interest Margin | 4.70% | 3.66% | 4.24% | 4.75% | Beats 71% | 17 / 59 | |
| Efficiency Ratio | 58.09% | 51.87% | 60.25% | 70.24% | Beats 61% | 24 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.10% | 0.36% | 0.89% | Beats 91% | 6 / 58 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 59% | 25 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 11.93% | 15.65% | 21.05% | Beats 24% | 45 / 59 | |
| Total Risk-Based Capital Ratio | 11.93% | 12.05% | 15.77% | 22.26% | Beats 22% | 46 / 59 | |
| Equity / Assets | 9.56% | 9.10% | 11.51% | 14.32% | Beats 29% | 42 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 85.44% | 59.62% | 72.81% | 85.44% | 74th pctl | 15 / 58 | |
| Loans / Assets | 74.73% | 49.55% | 64.39% | 73.73% | 78th pctl | 13 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |