Exchange Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank & Trust of Atchison, KS against its peer group of 2757 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 | 1.74% | 1.25% | +0.49% | 75th top |
| ROAE | 14.07% | 12.22% | +1.85% | 60th above |
| Net Interest Margin | 4.13% | 3.95% | +0.18% | 60th above |
| Efficiency Ratio | 48.05% | 63.71% | -15.66% | 84th top |
| PPNR / Avg Assets | 2.25% | — | — | 81st top |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 1.29% | 1.87% | -0.58% | 80th top |
| Net Interest Spread | 3.87% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.88% | -0.65% | 63rd above |
| NPA / Total Assets | 0.13% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.44% | — | — | 75th top |
| ACL / NPLs (Coverage) | 622.34% | — | — | 74th above |
| Texas Ratio | 1.00% | 5.96% | -4.96% | 68th above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.97% | 11.75% | +1.22% | 74th above |
| Equity / Assets | 12.71% | 10.98% | +1.73% | 76th top |
| TCE / Tangible Assets | 12.71% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.74% | 80.44% | -12.70% | 74th above |
| Core Deposit Ratio | 90.66% | 86.95% | +3.71% | 59th above |
| Wholesale Funding Ratio | 0.69% | — | — | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.27% | — | — | 57th above |
| Loan Growth (Y/Y) | -6.47% | — | — | 5th bottom |
| Deposit Growth (Y/Y) | 4.45% | — | — | 53rd above |
See Exchange Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Exchange Bank & Trust peer analysis.