Exchange Bank & Trust
Atchison, KS · Cert 4619 · Peer group: banks under $1B in assets in KS (n=98) · Exchange Bankshares Corp. of KS
State charter, non-member · FDIC · 10 branches
Q2 2026
$626.8MAssets
$365.6MLoans
$539.7MDeposits
$79.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 85% of banks under $1B in assets in KS (rank 15 of 98).
- Widest gap: total risk-based capital ratio trails 64% of banks under $1B in assets in KS (rank 63 of 98).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 15 of 98
Net Interest Margin
3.90%
Rank 27 of 98
Efficiency Ratio
49.46%
Rank 17 of 98
Equity / Assets
12.71%
Rank 32 of 98
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 84% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 1.03% | 1.24% | 1.54% | Beats 85% | 15 / 98 | | |
| Return on Equity | 13.38% | 8.85% | 11.58% | 14.73% | Beats 68% | 31 / 98 | | |
| Net Interest Margin | 3.90% | 3.24% | 3.62% | 3.91% | Beats 72% | 27 / 98 | | |
| Efficiency Ratio | 49.46% | 51.87% | 58.88% | 64.74% | Beats 84% | 17 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.33% | 1.05% | Beats 58% | 42 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 39% | 61 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 11.81% | 13.71% | 17.33% | Beats 42% | 57 / 98 | | |
| Total Risk-Based Capital Ratio | 12.97% | 11.81% | 14.13% | 17.45% | Beats 36% | 63 / 98 | | |
| Equity / Assets | 12.71% | 8.60% | 11.34% | 13.10% | Beats 67% | 32 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.74% | 57.09% | 69.84% | 82.47% | 45th pctl | 54 / 98 | | |
| Loans / Assets | 58.33% | 49.34% | 58.31% | 68.94% | 51st pctl | 48 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |