BlastPoint's Banking Scorecard
Exchange Bank and Trust Company
Designations: ✓ CDFI-certified
Perry, OK
3 branches across OK
Exchange Bank and Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22.4% in tier
- + Revenue Diversifier: Top 43.5% in tier
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 6.79% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.2M
+6.8% YoY
+3.5% QoQ
|
+$47.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$314.0M
+8.8% YoY
+0.6% QoQ
|
+$58.3M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$391.2M
+6.2% YoY
+4.2% QoQ
|
+$63.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.78%
+64.2% YoY
+27.0% QoQ
|
+0.51% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
4.18%
+14.1% YoY
+5.1% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
58.49%
-16.0% YoY
-9.2% QoQ
|
-6.79% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
1.62%
-4.0% YoY
-4.7% QoQ
|
+0.73% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
80.27%
+2.4% YoY
-3.4% QoQ
|
+3.63% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.05%
+2.5% YoY
-1.4% QoQ
|
-1.97% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.17%
-2.2% YoY
-7.4% QoQ
|
+0.53% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
14.52%
+3.4% YoY
+1.7% QoQ
|
-1.31% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.20%
+27.6% YoY
-73.2% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 14.3% in tier |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.