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Exchange Bank and Trust Company, Natchitoches, Louisiana

$100M-$1B Specialty: Mortgage LA FDIC cert 10528

Natchitoches, LA

4 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +7.2% year over year ($191.3M on the books).
  • Delinquency rate 0.90%.
  • Return on assets 2.35%.
  • Efficiency ratio 45.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 53.82% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Exchange Bank and Trust Company, Natchitoches, Louisiana shows strong momentum with 3 strengths and 7.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 38.3% in tier
  • + Efficiency Ratio 19.29% below tier average
  • + Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Exchange Bank and Trust Company, Natchitoches, Louisiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $212.5M
+7.5% YoY -3.9% QoQ
-$174.0M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $102.9M
+5.9% YoY +1.3% QoQ
-$155.4M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $191.3M
+7.2% YoY -4.6% QoQ
-$135.5M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 2.35%
+4.8% YoY +2.0% QoQ
+1.03% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Top 6.4% in tier
Net Interest Margin ? 4.37%
+1.1% YoY +2.2% QoQ
+0.39% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 45.19%
-8.5% YoY -4.7% QoQ
-19.29% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Top 9.2% in tier
Delinquency Rate ? 0.90%
-4.5% YoY +9.7% QoQ
-0.02% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 53.82%
-1.2% YoY +6.2% QoQ
-24.13% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 11.5% in tier
Non-Interest-Bearing Deposit Share ? 24.21%
+1.2% YoY -7.6% QoQ
+2.18% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.44%
-5.9% YoY +15.6% QoQ
-0.23% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 11.42%
-5.3% YoY +1.7% QoQ
-4.49% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.10%
-13.0% YoY +104.2% QoQ
-0.46% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 24.2%
+0.3pp YoY
-2.0pp QoQ
 +2.1pp 22.1% 24.6% 22.2% 63%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 1.3%
-0.8pp YoY
+0.3pp QoQ
 -10.3pp 11.6% 12.6% 12.5% 4%
CRE 26.9%
+0.1pp YoY
-0.8pp QoQ
 -12.7pp 39.5% 44.9% 41.4% 29%
1-4 Family 68.7%
+1.3pp YoY
+0.6pp QoQ
 +36.1pp 32.6% 34.2% 31.3% 94%
Consumer 3.4%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 4.1% 4.2% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 11.4%
-0.6pp YoY
+0.2pp QoQ
 -0.7pp 12.2% 13.4% 12.6% 57%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 30
0 YoY
0 QoQ
 -29 58 114 482 26%
Assets per Employee ($) $7.1M
+7.5% YoY
-3.9% QoQ
 -$434K $7.5M $6.8M $8.8M 54%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
 -0.2pp 0.3% 0.4% 0.4% 51%
Nonaccrual 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.9% 1.4% 1.0% 66%
Allowance Coverage 1.15x
+10.7% YoY
-1.3% QoQ
 -23.00x 24.15x 27.36x 20.23x 31%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 24.6%
+0.1pp YoY
+0.4pp QoQ
 +12.4pp 12.2% 12.5% 11.6% 96%
Cost of Funds (YTD) 0.7%
+0.1pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.7% 1.7% 4%
Net Income ($, YTD) $2.4M
+12.8% YoY
— QoQ
 -$119K $2.6M $5.1M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#254 of 661 • Top 38.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

171
Return on Assets
profitability
Value: 2.35%
Peer Median: 1.32%
#171 of 2643 Top 6.4% in $100M-$1B
245
Efficiency Ratio
profitability
Value: 45.19%
Peer Median: 64.48%
#245 of 2643 Top 9.2% in $100M-$1B
304
Loan-to-Deposit Ratio
liquidity
Value: 53.82%
Peer Median: 77.95%
#304 of 2643 Top 11.5% in $100M-$1B

Top Weaknesses (2 metrics)

2149
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2149 of 2643 Bottom 18.7% in $100M-$1B
2118
Total Loans
size
Value: $102.94M
Peer Median: $258.35M
#2118 of 2643 Bottom 19.9% in $100M-$1B
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