BlastPoint's Banking Scorecard
Exchange Bank
Milledgeville, GA
5 branches across GA
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 GA.
- Deposits +4.8% year over year ($358.9M on the books).
- Delinquency rate 0.03%.
- Return on assets -0.70%.
- Efficiency ratio 58.09% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Exchange Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 70.9% in tier
- + Efficiency Ratio 6.39% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.03% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.3M
+0.2% YoY
-1.0% QoQ
|
+$23.7M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$302.1M
+22.0% YoY
+5.5% QoQ
|
+$43.8M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$358.9M
+4.8% YoY
-1.5% QoQ
|
+$32.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
-0.70%
-154.3% YoY
+78.6% QoQ
|
-2.03% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 1.6% in tier |
| Net Interest Margin ? |
5.07%
+23.3% YoY
+8.5% QoQ
|
+1.08% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 7.2% in tier |
| Efficiency Ratio ? |
58.09%
-5.5% YoY
-1.7% QoQ
|
-6.39% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.03%
-88.5% YoY
-70.2% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
84.19%
+16.4% YoY
+7.2% QoQ
|
+6.24% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
28.05%
+3.2% YoY
+6.4% QoQ
|
+6.02% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.02%
-86.0% YoY
-68.2% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
11.93%
-3.6% YoY
+8.3% QoQ
|
-3.98% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.22%
-3.7% YoY
+88.9% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
56% |
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.0%
+0.9pp YoY +1.7pp QoQ |
+5.9pp | 22.1% | 26.2% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.2%
+0.3pp YoY +0.3pp QoQ |
-9.3pp | 11.6% | 9.7% | 12.5% | 7% |
| CRE |
67.2%
+5.5pp YoY -0.6pp QoQ |
+27.7pp | 39.5% | 48.9% | 41.4% | 91% |
| 1-4 Family |
31.6%
-5.4pp YoY +0.4pp QoQ |
-1.1pp | 32.6% | 31.7% | 31.3% | 55% |
| Consumer |
0.5%
-0.4pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 4.8% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
11.9%
-0.5pp YoY +0.9pp QoQ |
-0.2pp | 12.2% | 14.0% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
69
+6 (+9.5%) YoY -5 (-6.8%) QoQ |
+10 | 58 | 98 | 482 | 70% |
| Assets per Employee ($) |
$5.9M
-8.5% YoY +6.2% QoQ |
-$1.6M | $7.5M | $7.5M | $8.8M | 32% |
| Branch Count |
5
+1 (+25.0%) YoY +1 (+25.0%) QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 15% |
| Nonaccrual |
0.0%
-0.3pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
46.76x
+799.4% YoY +217.5% QoQ |
+22.61x | 24.15x | 38.10x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-7.1%
-19.2pp YoY +25.6pp QoQ |
-19.3pp | 12.2% | 13.6% | 11.6% | 1% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 28% |
| Net Income ($, YTD) |
$-1466000.0
-156.1% YoY — QoQ |
-$4.0M | $2.6M | $6.6M | $40.4M | 1% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.