Exchange Bank Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank Co. of Kahoka, MO against its peer group of 2672 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 | 1.92% | 1.35% | +0.57% | 83rd top |
| ROAE | 21.50% | 12.05% | +9.45% | 91st top |
| Net Interest Margin | 4.30% | 3.90% | +0.40% | 70th above |
| Efficiency Ratio | 53.07% | 63.15% | -10.08% | 74th above |
| PPNR / Avg Assets | 1.92% | 1.64% | +0.28% | 69th above |
| Yield on Earning Assets | 5.84% | 5.65% | +0.19% | 61st above |
| Cost of Funds | 1.63% | 1.85% | -0.22% | 61st above |
| Net Interest Spread | 3.59% | 3.35% | +0.24% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.92% | +0.41% | 21st bottom |
| NPA / Total Assets | 0.82% | 0.67% | +0.15% | 26th below |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 109.78% | 1645.79% | -1536.01% | 31st below |
| Texas Ratio | 8.76% | 7.15% | +1.61% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.11% | 12.46% | -3.35% | 14th bottom |
| Equity / Assets | 9.46% | 11.67% | -2.21% | 35th below |
| TCE / Tangible Assets | 8.53% | 11.40% | -2.87% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.40% | 78.65% | -10.25% | 73rd above |
| Core Deposit Ratio | 93.97% | 87.09% | +6.88% | 79th top |
| Wholesale Funding Ratio | 0.37% | 5.12% | -4.75% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.58% | 6.47% | +0.11% | 66th above |
| Loan Growth (Y/Y) | 8.71% | 7.64% | +1.07% | 69th above |
| Deposit Growth (Y/Y) | 6.20% | 6.02% | +0.18% | 65th above |
See Exchange Bank Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank Co., 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 Co. profile, how to read a UBPR, or how this data updates.