Exchange Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 53.37 percentage points in Q2 2026, from 150.63% to 204.00%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank ranks 72nd of 114 California banks on return on assets, in the lower half at 0.89% (Q2 2026). Exchange Bank reported 0.89% on return on assets for Q2 2026, 0.38 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.98% |
| Tier 1 risk-based capital ratio | 18.98% |
| Total risk-based capital ratio | 20.23% |
| Tier 1 leverage ratio | 12.64% |
| Equity capital to assets | 11.16% |
| Tangible equity to tangible assets | 11.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 5.09% |
| Allowance for credit losses to loans | 1.73% |
| Reserve coverage of non-performing loans | 204.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 8.27% |
| Net interest margin | 3.27% |
| Efficiency ratio | 66.91% |
| Yield on earning assets | 4.38% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.79% |
| Core deposits to total deposits | 93.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.35% |
| Securities to assets | 35.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.66% | 17.66% | 18.92% | 10.43% | 0.73% |
| Q4 2023 | 17.58% | 17.58% | 18.84% | 10.52% | 0.78% |
| Q1 2024 | 17.71% | 17.71% | 18.97% | 10.73% | 0.57% |
| Q2 2024 | 17.85% | 17.85% | 19.11% | 10.89% | 0.61% |
| Q3 2024 | 18.17% | 18.17% | 19.43% | 10.90% | 0.57% |
| Q4 2024 | 17.93% | 17.93% | 19.18% | 11.07% | 1.02% |
| Q1 2025 | 18.55% | 18.55% | 19.81% | 11.53% | 0.67% |
| Q2 2025 | 18.58% | 18.58% | 19.83% | 11.67% | 0.84% |
| Q3 2025 | 18.20% | 18.20% | 19.46% | 11.81% | 1.02% |
| Q4 2025 | 18.46% | 18.46% | 19.71% | 11.86% | 1.03% |
| Q1 2026 | 18.70% | 18.70% | 19.95% | 12.34% | 0.91% |
| Q2 2026 | 18.98% | 18.98% | 20.23% | 12.64% | 0.89% |
Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8468) · FFIEC NIC profile (RSSD 507068)