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Exchange Bank

$100M-$1B Specialty: Commercial GA FDIC cert 160

Milledgeville, GA

5 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Exchange Bank has 3 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

  • + Net Interest Margin 0.74% above tier average
  • + Efficiency Ratio 6.20% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 40.8% in tier
  • - Return on Assets 4.55% below tier average
Get updates when Exchange Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $414.3M
+2.0% YoY -2.5% QoQ
+$28.2M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
63%
Total Loans ? $286.3M
+19.1% YoY +7.5% QoQ
+$30.6M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
65%
Total Deposits ? $364.4M
+10.6% YoY +5.8% QoQ
+$36.4M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
65%
Return on Assets ? -3.28%
-368.6% YoY -368.4% QoQ
-4.55% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
Bottom 0.4% in tier
Net Interest Margin ? 4.67%
+17.0% YoY +10.6% QoQ
+0.74% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 13.7% in tier
Efficiency Ratio ? 59.09%
-5.7% YoY -2.9% QoQ
-6.20% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
63%
Delinquency Rate ? 0.11%
-49.4% YoY -51.6% QoQ
-0.78% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
73%
Loan-to-Deposit Ratio ? 78.56%
+7.7% YoY +1.6% QoQ
+1.92% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
50%
Non-Interest-Bearing Deposit Share ? 26.37%
-6.0% YoY +0.2% QoQ
+4.35% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
71%
Nonperforming Asset Ratio ? 0.07%
-40.9% YoY -46.6% QoQ
-0.56% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
74%
Tier 1 Capital Ratio ? 11.02%
-11.0% YoY -10.7% QoQ
-4.81% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.12%
+1.8% YoY -75.1% QoQ
-0.16% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
62%

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 (1)

Capital Thin

risk
#273 of 666 • Bottom 40.8% 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: 11.02%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

367
Net Interest Margin
profitability
Value: 4.67%
Peer Median: 3.93%
#367 of 2664 Top 13.7% in $100M-$1B

Top Weaknesses (2 metrics)

2654
Return on Assets
profitability
Value: -3.28%
Peer Median: 1.27%
#2654 of 2664 Bottom 0.4% in $100M-$1B
2054
Tier 1 Capital Ratio
capital
Value: 11.02%
Peer Median: 15.83%
#2054 of 2664 Bottom 22.9% in $100M-$1B
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