Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank of Milledgeville, GA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.89% | 1.25% | +0.64% | 81st top |
| ROAE | 20.53% | 12.22% | +8.31% | 88th top |
| Net Interest Margin | 5.34% | 3.95% | +1.39% | 96th top |
| Efficiency Ratio | 57.09% | 63.71% | -6.62% | 62nd above |
| PPNR / Avg Assets | 2.33% | — | — | 84th top |
| Yield on Earning Assets | 6.58% | 5.67% | +0.91% | 89th top |
| Cost of Funds | 1.33% | 1.87% | -0.54% | 79th top |
| Net Interest Spread | 4.79% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 82nd top |
| NPA / Total Assets | 0.02% | — | — | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 1.46% | — | — | 76th top |
| ACL / NPLs (Coverage) | 4676.04% | — | — | — |
| Texas Ratio | 0.22% | 5.96% | -5.74% | 82nd top |
| Provision / NCO | 350.00% | — | — | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.93% | 11.75% | +0.18% | 64th above |
| Equity / Assets | 9.56% | 10.98% | -1.42% | 36th below |
| TCE / Tangible Assets | 9.56% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.44% | 80.44% | +5.00% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.57% | 86.95% | +1.62% | 47th below |
| Wholesale Funding Ratio | 2.56% | — | — | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.21% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 22.03% | — | — | 94th top |
| Deposit Growth (Y/Y) | 4.75% | — | — | 55th above |
See Exchange Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Exchange Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Exchange Bank peer analysis.