BlastPoint's Banking Scorecard
First Exchange Bank
White Hall, WV
7 branches across WV
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 32 in WV.
- Deposits +3.9% year over year ($356.5M on the books).
- Delinquency rate 2.13%.
- Return on assets 0.93%.
- Efficiency ratio 70.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Exchange Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 5.65% above tier average
- - Delinquency Rate 1.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$391.1M
+3.8% YoY
+1.5% QoQ
|
+$4.5M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$290.3M
-0.6% YoY
+0.9% QoQ
|
+$32.0M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$356.5M
+3.9% YoY
+1.6% QoQ
|
+$29.8M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.93%
+149.4% YoY
+4.5% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.79%
+14.4% YoY
+1.6% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
70.13%
-9.6% YoY
-0.4% QoQ
|
+5.65% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
2.13%
-22.1% YoY
-18.8% QoQ
|
+1.21% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.7% in tier |
| Loan-to-Deposit Ratio ? |
81.43%
-4.4% YoY
-0.7% QoQ
|
+3.48% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
18.80%
+5.6% YoY
+0.0% QoQ
|
-3.23% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.58%
-25.4% YoY
-19.3% QoQ
|
+0.91% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.2% in tier |
| Tier 1 Capital Ratio ? |
12.76%
-1.2% YoY
+1.1% QoQ
|
-3.15% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.28%
+5.7% YoY
+95.7% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.8%
+1.0pp YoY 0.0pp QoQ |
-3.3pp | 22.1% | 27.1% | 22.2% | 39% |
| Brokered Deposits |
5.1%
-3.3pp YoY -0.1pp QoQ |
-2.7pp | 7.9% | 3.0% | 8.5% | 53% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
0.0pp YoY -0.5pp QoQ |
-5.0pp | 11.6% | 7.1% | 12.5% | 30% |
| CRE |
30.8%
-0.7pp YoY +1.4pp QoQ |
-8.8pp | 39.5% | 33.8% | 41.4% | 36% |
| 1-4 Family |
59.9%
+1.5pp YoY -0.5pp QoQ |
+27.3pp | 32.6% | 52.8% | 31.3% | 90% |
| Consumer |
3.8%
-0.8pp YoY -0.2pp QoQ |
-0.3pp | 4.1% | 7.9% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
-0.2pp YoY +0.1pp QoQ |
-6.1pp | 18.8% | 17.1% | 19.7% | 24% |
| Leverage Ratio |
9.0%
0.0pp YoY -0.1pp QoQ |
-3.2pp | 12.2% | 11.6% | 12.6% | 12% |
| Total Capital Ratio |
14.0%
-0.2pp YoY +0.1pp QoQ |
-5.9pp | 19.9% | 18.1% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
-5 (-7.2%) YoY 0 QoQ |
+5 | 58 | 161 | 482 | 66% |
| Assets per Employee ($) |
$6.1M
+11.9% YoY +1.5% QoQ |
-$1.4M | $7.5M | $6.1M | $8.8M | 36% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 13 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY |
-0.3pp | 0.3% | 0.1% | 0.4% | 40% |
| Nonaccrual |
2.1%
-0.4pp YoY -0.5pp QoQ |
+1.1pp | 0.9% | 0.7% | 1.0% | 88% |
| Allowance Coverage |
0.71x
+22.7% YoY +40.0% QoQ |
-23.44x | 24.15x | 6.60x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY -0.4pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+6.8pp YoY +0.5pp QoQ |
-0.5pp | 12.2% | 10.6% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.5% | 1.7% | 54% |
| Net Income ($, YTD) |
$1.8M
+151.8% YoY — QoQ |
-$760K | $2.6M | $9.0M | $40.4M | 48% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.