BlastPoint's Banking Scorecard

Exchange Bank & Trust

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

Atchison, KS

10 branches across KS · MO

2664 banks in the $100M-$1B peer group nationally 118 in KS

Exchange Bank & Trust has 4 strengths but faces 1 concern

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 0.05% above tier average
+ Efficiency Ratio 14.83% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 16.43% below tier average

Get updates when Exchange Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$627.4M +4.3% YoY -0.6% QoQ	+$241.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$360.9M -4.8% YoY -3.2% QoQ	+$105.1M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$542.4M +3.2% YoY -0.2% QoQ	+$214.5M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.64% +7.8% YoY +4.2% QoQ	+0.37%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.98% +2.6% YoY -1.6% QoQ	+0.05%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	50.46% -3.4% YoY -5.8% QoQ	-14.83%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.07% -65.2% YoY +31.0% QoQ	-0.81%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	66.52% -7.7% YoY -3.0% QoQ	-10.11%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	5.59% +10.7% YoY -1.3% QoQ	-16.43%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 4.2% in tier
Nonperforming Asset Ratio ?	0.04% -68.2% YoY +27.7% QoQ	-0.60%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	12.69% +6.0% YoY +0.4% QoQ	-3.14%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.10% +1.0% YoY -74.5% QoQ	-0.18%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	54%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

448

Efficiency Ratio

profitability

Value: 50.46%

Peer Median: 65.29%

#448 of 2664 Top 16.8% in $100M-$1B

451

Total Deposits

size

Value: $542.43M

Peer Median: $327.97M

#451 of 2664 Top 16.9% in $100M-$1B

469

Total Assets

size

Value: $627.38M

Peer Median: $386.08M

#469 of 2664 Top 17.6% in $100M-$1B

555

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#555 of 2664 Top 20.8% in $100M-$1B

623

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#623 of 2654 Top 23.4% in $100M-$1B

653

Total Loans

size

Value: $360.85M

Peer Median: $255.72M

#653 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2553

Non-Interest-Bearing Deposit Share

funding

Value: 5.59%

Peer Median: 22.02%

#2553 of 2664 Bottom 4.2% in $100M-$1B