Mayfield, KY · Cert 21247 · Exchange Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Paducah, KY-IL · 2026 SOD (annual) · 1.5% share · #13 of 15 inst. · $0.0B of $3.3B
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 | 0.69% | 0.84% | 0.77% | 0.95% | 0.91% | 0.85% | 0.97% | 1.00% | +5 bps | |
| Return on Equity | 10.51% | 12.54% | 11.78% | 13.89% | 12.74% | 11.47% | 12.91% | 13.25% | -64 bps | |
| Net Interest Margin | 2.67% | 2.78% | 2.90% | 3.07% | 3.16% | 3.20% | 3.19% | 3.32% | +25 bps | |
| Efficiency Ratio | 74.38% | 70.69% | 71.05% | 68.36% | 67.76% | 72.99% | 67.71% | 67.11% | -124 bps | |
| Non-Interest Burden | 1.79% | 1.74% | 1.87% | 1.88% | 1.91% | 2.15% | 1.94% | 1.99% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | 1.99% | 1.53% | 0.33% | 3.66% | 2.01% | 0.99% | 1.32% | +99 bps | |
| Loan Growth (YoY) | 3.51% | 0.12% | -0.18% | 1.34% | 3.01% | 2.17% | 0.92% | 1.29% | -4 bps | |
| Deposit Growth (YoY) | -1.67% | 0.72% | -0.53% | -0.62% | 1.82% | -0.25% | 0.13% | 0.04% | +66 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.18% | 0.26% | 0.21% | 0.25% | 0.19% | 0.23% | 0.25% | +4 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.00% | 0.01% | -0.01% | 0.07% | 0.05% | 0.03% | +2 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.34% | 1.33% | 1.35% | 1.35% | 1.35% | 1.35% | +2 bps | |
| Allowance Coverage of NPLs | 15.1x | 7.4x | 5.2x | 6.3x | 5.4x | 7.0x | 6.0x | 5.3x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 8.91% | 8.89% | 9.00% | 9.05% | 9.07% | 9.24% | 9.35% | +35 bps | |
| Total Risk-Based Capital | 14.20% | 14.50% | 14.37% | 14.26% | 14.06% | 14.54% | 14.77% | 15.01% | +75 bps | |
| Equity / Assets | 7.01% | 6.39% | 6.67% | 7.06% | 7.28% | 7.54% | 7.45% | 7.72% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.25% | 68.86% | 68.10% | 70.26% | 71.07% | 70.53% | 68.63% | 71.14% | +88 bps | |
| Liquid Assets / Assets | 10.48% | 13.23% | 13.39% | 10.72% | 11.61% | 12.26% | 12.50% | 10.50% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 234% | 226% | n/a | n/a | |