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 Natchitoches, LA 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 | 2.26% | 1.34% | +0.92% | 91st top |
| ROAE | 24.90% | 13.32% | +11.58% | 95th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 42.93% | 61.13% | -18.20% | 92nd top |
| PPNR / Avg Assets | 2.44% | 1.68% | +0.76% | 88th top |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 20th bottom |
| Cost of Funds | 0.80% | 1.88% | -1.08% | 95th top |
| Net Interest Spread | 3.84% | 3.32% | +0.52% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.94% | -0.15% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) | 129.70% | 1546.44% | -1416.74% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.31% | 7.34% | -3.03% | 45th below |
| Provision / NCO | 10000.00% | 1392.18% | +8607.82% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.42% | 12.14% | -0.72% | 57th above |
| Equity / Assets | 9.64% | 11.37% | -1.73% | 38th below |
| TCE / Tangible Assets | 9.64% | 11.08% | -1.44% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.38% | 80.67% | -26.29% | 88th top |
| Core Deposit Ratio | 96.19% | 86.85% | +9.34% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.51% | 6.84% | +0.67% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.00% | 7.92% | -1.92% | 54th above |
| Deposit Growth (Y/Y) | 7.22% | 6.29% | +0.93% | 72nd above |
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.