Exchange Bank and Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.78 percentage points higher than in Q1 2026, at 114.02%. Exchange Bank and Trust Company ranks 39th of 169 Oklahoma banks on return on assets, in the upper half at 1.97% (Q2 2026). Exchange Bank and Trust Company's return on assets of 1.97% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.72 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 16.04% |
| Tier 1 leverage ratio | 10.75% |
| Equity capital to assets | 8.73% |
| Tangible equity to tangible assets | 8.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.15% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 12.33% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 114.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 22.86% |
| Net interest margin | 4.11% |
| Efficiency ratio | 55.84% |
| Yield on earning assets | 6.25% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.75% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 7.46% |
| Deposits to assets | 90.01% |
| Securities to assets | 17.74% |
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 | 13.93% | 13.93% | 15.16% | 10.52% | 1.02% |
| Q4 2023 | 13.75% | 13.75% | 14.97% | 10.54% | 0.93% |
| Q1 2024 | 13.60% | 13.60% | 14.82% | 10.32% | 0.85% |
| Q2 2024 | 13.65% | 13.65% | 14.93% | 10.26% | 1.06% |
| Q3 2024 | 13.59% | 13.59% | 14.86% | 10.25% | 0.91% |
| Q4 2024 | 13.84% | 13.84% | 15.12% | 10.30% | 1.17% |
| Q1 2025 | 14.04% | 14.04% | 15.30% | 10.41% | 1.09% |
| Q2 2025 | 14.07% | 14.07% | 15.34% | 10.41% | 1.46% |
| Q3 2025 | 14.22% | 14.22% | 15.52% | 10.58% | 1.61% |
| Q4 2025 | 14.28% | 14.28% | 15.59% | 10.57% | 1.44% |
| Q1 2026 | 14.52% | 14.52% | 15.84% | 10.69% | 1.79% |
| Q2 2026 | 14.69% | 14.69% | 16.04% | 10.75% | 1.97% |
Exchange Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13366) · FFIEC NIC profile (RSSD 456755)