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The Antwerp Exchange Bank Company

$100M-$1B Specialty: Other OH FDIC cert 14523

Antwerp, OH

3 branches across OH · IN

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 96 in OH.
  • Deposits +4.4% year over year ($148.2M on the books).
  • Delinquency rate 0.70%.
  • Return on assets 0.36%.
  • Efficiency ratio 86.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.42% 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 96 in OH
View $100M-$1B leaderboard (OH) →

The Antwerp Exchange Bank Company has 2 strengths but faces 3 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

  • + Net Interest Margin 0.12% above tier average
  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 29.3% in tier
  • - Efficiency Drag: Bottom 29.9% in tier
  • - Return on Assets 0.97% below tier average
Get updates when The Antwerp Exchange Bank Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $161.3M
+4.6% YoY -0.4% QoQ
-$225.3M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $110.3M
-2.2% YoY -0.7% QoQ
-$148.1M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $148.2M
+4.4% YoY -0.4% QoQ
-$178.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 0.36%
-20.9% YoY -14.0% QoQ
-0.97% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 8.7% in tier
Net Interest Margin ? 4.10%
+9.6% YoY +3.8% QoQ
+0.12% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 86.86%
+5.4% YoY +2.1% QoQ
+22.38% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 7.9% in tier
Delinquency Rate ? 0.70%
-11.6% YoY +15.3% QoQ
-0.22% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 74.42%
-6.3% YoY -0.3% QoQ
-3.53% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 24.93%
+6.2% YoY -1.0% QoQ
+2.90% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.48%
-29.3% YoY +15.0% QoQ
-0.19% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 9.72%
-31.0% YoY -30.0% QoQ
-6.19% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 7.2% in tier
Non-Interest Income / Assets ? 0.22%
+28.2% YoY +71.4% QoQ
-0.34% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
57%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 24.9%
+1.5pp YoY
-0.2pp QoQ
 +2.8pp 22.1% 18.8% 22.2% 66%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 8.6%
+2.4pp YoY
-1.3pp QoQ
 -3.0pp 11.6% 10.2% 12.5% 44%
CRE n/a n/a 39.5% 34.2% 41.4% n/a
1-4 Family 48.7%
+3.7pp YoY
+0.6pp QoQ
 +16.1pp 32.6% 50.0% 31.3% 81%
Consumer 2.6%
-0.6pp YoY
-0.2pp QoQ
 -1.5pp 4.1% 4.7% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 9.7%
0.0pp YoY
+0.1pp QoQ
 -2.4pp 12.2% 12.9% 12.6% 25%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 34
+1 (+3.0%) YoY
+2 (+6.2%) QoQ
 -25 58 2,433 482 33%
Assets per Employee ($) $4.7M
+1.5% YoY
-6.3% QoQ
 -$2.8M $7.5M $7.6M $8.8M 11%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.2pp YoY
 -0.1pp 0.3% 0.2% 0.4% 69%
Nonaccrual 0.5%
+0.1pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 0.6% 1.0% 51%
Allowance Coverage 1.25x
+29.2% YoY
-12.6% QoQ
 -22.90x 24.15x 18.95x 20.23x 34%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 4.5%
-1.6pp YoY
-0.7pp QoQ
 -7.7pp 12.2% 9.7% 11.6% 12%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 31%
Net Income ($, YTD) $286,000
-17.6% YoY
— QoQ
 -$2.3M $2.6M $259.3M $40.4M 6%

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 (2)

Capital Thin

risk
#195 of 661 • Bottom 29.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.72%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Efficiency Drag

risk
#109 of 361 • Bottom 29.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 86.86%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2453
Tier 1 Capital Ratio
capital
Value: 9.72%
Peer Median: 15.91%
#2453 of 2643 Bottom 7.2% in $100M-$1B
2436
Efficiency Ratio
profitability
Value: 86.86%
Peer Median: 64.48%
#2436 of 2643 Bottom 7.9% in $100M-$1B
2414
Return on Assets
profitability
Value: 0.36%
Peer Median: 1.32%
#2414 of 2643 Bottom 8.7% in $100M-$1B
2184
Total Assets
size
Value: $161.31M
Peer Median: $386.57M
#2184 of 2643 Bottom 17.4% in $100M-$1B
2083
Total Deposits
size
Value: $148.19M
Peer Median: $326.73M
#2083 of 2643 Bottom 21.2% in $100M-$1B
2054
Total Loans
size
Value: $110.29M
Peer Median: $258.35M
#2054 of 2643 Bottom 22.3% in $100M-$1B
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