BlastPoint's Banking Scorecard

The Exchange Bank

$100M-$1B Specialty: Other OK FDIC cert 10672

Skiatook, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The Exchange Bank has 2 strengths but faces 2 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Efficiency Ratio 4.15% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$155.4M +2.2% YoY +1.5% QoQ	-$230.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$54.9M +1.1% YoY +4.1% QoQ	-$200.8M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 3.9% in tier
Total Deposits ?	$139.9M +1.2% YoY +2.0% QoQ	-$188.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.12% -0.3% YoY +9.2% QoQ	-0.15%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.89% -6.6% YoY -2.6% QoQ	-0.04%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	69.44% +1.2% YoY +1.8% QoQ	+4.15%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	39.23% -0.1% YoY +2.1% QoQ	-37.41%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Top 4.1% in tier
Non-Interest-Bearing Deposit Share ?	20.15% +0.9% YoY -2.7% QoQ	-1.87%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.66% +2.5% YoY -2.5% QoQ	-4.17%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.16% -7.7% YoY -77.6% QoQ	-0.12%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

111

Loan-to-Deposit Ratio

liquidity

Value: 39.23%

Peer Median: 76.64%

#111 of 2664 Top 4.1% in $100M-$1B

631

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#631 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2562

Total Loans

size

Value: $54.89M

Peer Median: $255.72M

#2562 of 2664 Bottom 3.9% in $100M-$1B

2244

Total Assets

size

Value: $155.44M

Peer Median: $386.08M

#2244 of 2664 Bottom 15.8% in $100M-$1B

2181

Total Deposits

size

Value: $139.93M

Peer Median: $327.97M

#2181 of 2664 Bottom 18.2% in $100M-$1B