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.
Return on equity climbed 53.21 percentage points in Q2 2026, from -32.69% to 20.53%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank ranks 35th of 121 Georgia banks on return on assets, in the upper half at 1.89% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Exchange Bank reported 1.89% on return on assets in Q2 2026, 0.63 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.93% |
| Equity capital to assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 4676.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 20.53% |
| Net interest margin | 5.34% |
| Efficiency ratio | 57.09% |
| Yield on earning assets | 6.58% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.44% |
| Core deposits to total deposits | 88.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.46% |
| Securities to assets | 15.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.70% | 1.13% | 3.56% | 0.22% | 0.09% |
| Q4 2023 | 11.95% | 1.20% | 3.74% | 0.50% | 0.03% |
| Q1 2024 | 11.94% | 1.02% | 3.63% | 0.53% | 0.00% |
| Q2 2024 | 12.08% | 1.14% | 3.71% | 0.33% | 0.04% |
| Q3 2024 | 12.23% | 1.23% | 3.85% | 0.25% | 0.48% |
| Q4 2024 | 12.26% | 1.20% | 3.90% | 0.56% | 0.05% |
| Q1 2025 | 12.37% | 1.22% | 4.02% | 0.21% | 0.00% |
| Q2 2025 | 12.38% | 1.35% | 4.16% | 0.27% | 0.00% |
| Q3 2025 | 12.50% | 1.48% | 4.33% | 0.84% | 0.00% |
| Q4 2025 | 12.33% | 0.81% | 4.24% | 0.22% | 0.00% |
| Q1 2026 | 11.02% | -3.13% | 4.38% | 0.10% | 0.04% |
| Q2 2026 | 11.93% | 1.89% | 5.34% | 0.03% | 0.01% |
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 160) · FFIEC NIC profile (RSSD 613839)