Milledgeville, GA · Cert 160 · Exchange Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Macon-Bibb County, GA · 2026 SOD (annual) · 1.0% share · #14 of 20 inst. · $0.1B of $5.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.23% | 1.22% | 1.36% | 1.49% | 0.82% | -3.28% | 1.92% | +56 bps | |
| Return on Equity | 11.96% | 11.58% | 11.51% | 12.70% | 13.63% | 7.50% | -32.69% | 20.53% | +783 bps | |
| Net Interest Margin | 3.61% | 3.72% | 3.78% | 3.99% | 4.08% | 4.05% | 4.14% | 5.04% | +105 bps | |
| Efficiency Ratio | 61.62% | 66.53% | 62.68% | 60.34% | 57.50% | 63.16% | 59.09% | 57.20% | -314 bps | |
| Non-Interest Burden | 2.01% | 2.31% | 2.20% | 2.22% | 2.12% | 2.38% | 2.27% | 2.71% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 5.63% | 3.92% | 6.35% | 7.02% | 7.62% | 2.04% | 0.21% | -613 bps | |
| Loan Growth (YoY) | 11.56% | 10.96% | 13.62% | 11.65% | 14.13% | 14.08% | 19.16% | 22.03% | +1,038 bps | |
| Deposit Growth (YoY) | -0.87% | 3.61% | -0.29% | 7.49% | 6.79% | 5.43% | 10.57% | 4.75% | -274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.56% | 0.21% | 0.27% | 0.84% | 0.22% | 0.10% | 0.03% | -24 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.01% | 0 bps | |
| Allowance / Loans | 1.58% | 1.50% | 1.46% | 1.42% | 1.37% | 1.64% | 1.54% | 1.46% | +5 bps | |
| Allowance Coverage of NPLs | 6.2x | 2.7x | 7.0x | 5.2x | 1.6x | 7.6x | 14.7x | 46.8x | +41.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.23% | 12.26% | 12.37% | 12.38% | 12.50% | 12.33% | 11.02% | 11.93% | -45 bps | |
| Total Risk-Based Capital | 12.23% | 12.26% | 12.37% | 12.38% | 12.50% | 12.33% | 11.02% | 11.93% | -45 bps | |
| Equity / Assets | 10.57% | 10.63% | 10.62% | 10.84% | 11.07% | 10.93% | 9.15% | 9.56% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.17% | 72.63% | 74.04% | 73.35% | 76.06% | 78.59% | 79.79% | 85.44% | +1,210 bps | |
| Liquid Assets / Assets | 37.07% | 35.97% | 35.34% | 34.80% | 33.45% | 31.60% | 4.70% | 3.31% | -3,149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 303% | 400% | n/a | n/a | |