Exchange Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank and Trust Company of Perry, OK against its peer group of 2603 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 | 1.97% | 1.34% | +0.63% | 84th top |
| ROAE | 22.86% | 13.32% | +9.54% | 93rd top |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 55.84% | 61.13% | -5.29% | 67th above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets | 6.25% | 5.67% | +0.58% | 79th top |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 21st bottom |
| Net Interest Spread | 3.34% | 3.32% | +0.02% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.15% | 0.94% | +0.21% | 25th below |
| NPA / Total Assets | 0.87% | 0.70% | +0.17% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 114.02% | 1546.77% | -1432.75% | 32nd below |
| Texas Ratio | 12.33% | 7.33% | +5.00% | 17th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 277.78% | 1395.57% | -1117.79% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.69% | 19.49% | -4.80% | 46th below |
| Tier 1 Ratio | 14.69% | 19.52% | -4.83% | 46th below |
| Total Capital Ratio | 16.04% | 20.61% | -4.57% | 48th below |
| Leverage Ratio | 10.75% | 12.14% | -1.39% | 46th below |
| Equity / Assets | 8.73% | 11.37% | -2.64% | 23rd bottom |
| TCE / Tangible Assets | 8.73% | 11.08% | -2.35% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.75% | 80.66% | +3.09% | 43rd below |
| Core Deposit Ratio | 86.04% | 86.85% | -0.81% | 35th below |
| Wholesale Funding Ratio | 0.70% | 5.04% | -4.34% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.17% | 6.84% | -2.67% | 48th below |
| Loan Growth (Y/Y) | 8.48% | 7.92% | +0.56% | 67th above |
| Deposit Growth (Y/Y) | 3.41% | 6.29% | -2.88% | 46th below |
See Exchange Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.