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Exchange Bank and Trust Company

$100M-$1B Specialty: Commercial OK FDIC cert 13366

Designations: ✓ CDFI-certified

Perry, OK

3 branches across OK

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 106 in OK.
  • Deposits +3.4% year over year ($385.9M on the books).
  • Delinquency rate 1.61%.
  • Return on assets 1.88%.
  • Efficiency ratio 57.54% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.65% 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 106 in OK
View $100M-$1B leaderboard (OK) →

Exchange Bank and Trust Company has 4 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

  • + Profitability Leader: Top 20.7% in tier
  • + Revenue Diversifier: Top 42.7% in tier
  • + Net Interest Margin 0.25% above tier average
  • + Efficiency Ratio 6.94% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 31.0% in tier
  • - Credit Quality Pressure: Bottom 49.1% in tier
Get updates when Exchange Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $428.7M
+4.2% YoY -1.0% QoQ
+$42.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $318.9M
+8.5% YoY +1.6% QoQ
+$60.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $385.9M
+3.4% YoY -1.3% QoQ
+$59.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 1.88%
+47.6% YoY +5.7% QoQ
+0.56% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.24%
+11.9% YoY +1.4% QoQ
+0.25% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 57.54%
-13.8% YoY -1.6% QoQ
-6.94% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 1.61%
+0.6% YoY -0.3% QoQ
+0.69% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 82.65%
+4.9% YoY +3.0% QoQ
+4.70% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 21.05%
+7.0% YoY +5.0% QoQ
-0.98% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 1.20%
+4.7% YoY +2.3% QoQ
+0.53% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 14.69%
+4.4% YoY +1.2% QoQ
-1.22% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.42%
+12.9% YoY +108.2% QoQ
-0.15% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 13.5% in tier

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 (OK) National Avg Tier Percentile
Noninterest-Bearing 21.0%
+1.4pp YoY
+1.0pp QoQ
 -1.1pp 22.1% 23.9% 22.2% 50%
Brokered Deposits 7.5%
-3.5pp YoY
-0.8pp QoQ
 -0.4pp 7.9% 9.7% 8.5% 66%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 10.3%
-0.3pp YoY
0.0pp QoQ
 -1.3pp 11.6% 15.7% 12.5% 54%
CRE 39.8%
-3.0pp YoY
-0.4pp QoQ
 +0.3pp 39.5% 42.0% 41.4% 53%
1-4 Family 36.2%
+4.2pp YoY
+1.3pp QoQ
 +3.5pp 32.6% 24.0% 31.3% 64%
Consumer 7.1%
-0.7pp YoY
-0.1pp QoQ
 +3.0pp 4.1% 5.6% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 14.7%
+0.6pp YoY
+0.2pp QoQ
 -4.1pp 18.8% 17.0% 19.7% 46%
Leverage Ratio 10.8%
+0.3pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 11.7% 12.6% 46%
Total Capital Ratio 16.0%
+0.7pp YoY
+0.2pp QoQ
 -3.9pp 19.9% 18.2% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 71
-3 (-4.1%) YoY
-3 (-4.1%) QoQ
 +12 58 150 482 72%
Assets per Employee ($) $6.0M
+8.6% YoY
+3.2% QoQ
 -$1.5M $7.5M $6.5M $8.8M 34%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
+0.1pp QoQ
 +0.1pp 0.3% 0.9% 0.4% 81%
Nonaccrual 1.2%
-0.3pp YoY
-0.1pp QoQ
 +0.2pp 0.9% 1.5% 1.0% 75%
Allowance Coverage 0.82x
+0.8% YoY
+2.0% QoQ
 -23.33x 24.15x 61.99x 20.23x 21%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 22.0%
+4.7pp YoY
+0.9pp QoQ
 +9.8pp 12.2% 11.9% 11.6% 92%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 83%
Net Income ($, YTD) $4.0M
+55.1% YoY
— QoQ
 +$1.5M $2.6M $8.7M $40.4M 80%

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 (2)

Profitability Leader

growth
#138 of 661 • Top 20.7% in tier

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

Why this signature
Return on Assets: 1.88%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#283 of 661 • Top 42.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.42%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.88%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#291 of 936 • Bottom 31.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#618 of 1256 • Bottom 49.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.61%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (2 metrics)

359
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#359 of 2643 Top 13.5% in $100M-$1B
440
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.32%
#440 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2212
Nonperforming Asset Ratio
credit_quality
Value: 1.20%
Peer Median: 0.67%
#2212 of 2643 Bottom 16.3% in $100M-$1B
2181
Delinquency Rate
credit_quality
Value: 1.61%
Peer Median: 0.92%
#2181 of 2633 Bottom 17.2% in $100M-$1B
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