BlastPoint's Banking Scorecard

Exchange Bank & Trust

$100M-$1B Specialty: Agricultural KS FDIC cert 4619

Atchison, KS

10 branches across KS · MO

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 117 in KS.
Deposits +4.4% year over year ($539.7M on the books).
Delinquency rate 0.23%.
Return on assets 1.70%.
Efficiency ratio 49.46% vs a 64.48% peer average.
Loan-to-deposit ratio 66.76% 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 117 in KS

View $100M-$1B leaderboard (KS) →

Exchange Bank & Trust 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

+ ROA 0.37% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 15.02% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.6% in tier
- Non-Interest-Bearing Deposit Share 17.06% below tier average

Get updates when Exchange Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$626.8M +5.3% YoY -0.1% QoQ	+$240.2M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$360.3M -6.5% YoY -0.1% QoQ	+$102.0M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$539.7M +4.4% YoY -0.5% QoQ	+$213.0M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.70% +4.3% YoY +3.7% QoQ	+0.37%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	4.06% +1.4% YoY +1.8% QoQ	+0.07%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	49.46% -1.7% YoY -2.0% QoQ	-15.02%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.23% +274.1% YoY +214.9% QoQ	-0.68%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	66.76% -10.5% YoY +0.4% QoQ	-11.19%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	4.98% +1.9% YoY -10.9% QoQ	-17.06%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 3.7% in tier
Nonperforming Asset Ratio ?	0.13% +232.1% YoY +214.8% QoQ	-0.53%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	12.97% +7.0% YoY +2.2% QoQ	-2.94%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.20% +0.4% YoY +98.8% QoQ	-0.36%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	51%

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	5.0% +0.1pp YoY -0.6pp QoQ	-17.2pp	22.1%	22.3%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	9.6% -0.1pp YoY +0.6pp QoQ	-2.0pp	11.6%	12.6%	12.5%	50%
CRE	16.8% -4.7pp YoY -2.4pp QoQ	-22.8pp	39.5%	28.8%	41.4%	13%
1-4 Family	29.6% +6.8pp YoY +0.2pp QoQ	-3.1pp	32.6%	26.7%	31.3%	50%
Consumer	17.9% -0.9pp YoY +0.1pp QoQ	+13.8pp	4.1%	4.6%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	13.0% +0.8pp YoY +0.3pp QoQ	+0.8pp	12.2%	12.6%	12.6%	75%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	85 +1 (+1.2%) YoY +2 (+2.4%) QoQ	+26	58	70	482	80%
Assets per Employee ($)	$7.4M +4.0% YoY -2.4% QoQ	-$144K	$7.5M	$7.1M	$8.8M	59%
Branch Count	10 0 YoY 0 QoQ	+5	4	6	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.2pp QoQ	-0.1pp	0.3%	0.4%	0.4%	64%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	10%
Allowance Coverage	6.22x -71.7% YoY -68.2% QoQ	-17.93x	24.15x	22.44x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	13.8% -0.5pp YoY +0.3pp QoQ	+1.6pp	12.2%	14.3%	11.6%	60%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	25%
Net Income ($, YTD)	$5.3M +9.9% YoY — QoQ	+$2.8M	$2.6M	$3.7M	$40.4M	89%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Credit Quality Pressure

risk

#348 of 1256 • Bottom 27.6% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.92%, National: 0.98%)

better 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

417

Efficiency Ratio

profitability

Value: 49.46%

Peer Median: 64.48%

#417 of 2643 Top 15.7% in $100M-$1B

445

Total Deposits

size

Value: $539.72M

Peer Median: $326.73M

#445 of 2643 Top 16.8% in $100M-$1B

465

Total Assets

size

Value: $626.80M

Peer Median: $386.57M

#465 of 2643 Top 17.6% in $100M-$1B

649

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.32%

#649 of 2643 Top 24.5% in $100M-$1B

659

Total Loans

size

Value: $360.33M

Peer Median: $258.35M

#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2547

Non-Interest-Bearing Deposit Share

funding

Value: 4.98%

Peer Median: 22.03%

#2547 of 2643 Bottom 3.7% in $100M-$1B