Exchange Bank & Trust: 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.
Securities to assets climbed 2.57 percentage points in Q2 2026, from 26.42% to 28.99%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Exchange Bank & Trust is 44th of 182 on return on assets, 1.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Exchange Bank & Trust sits 0.48 points higher, at 1.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.97% |
| Equity capital to assets | 12.71% |
| Tangible equity to tangible assets | 12.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 622.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 14.07% |
| Net interest margin | 4.13% |
| Efficiency ratio | 48.05% |
| Yield on earning assets | 5.44% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.74% |
| Core deposits to total deposits | 90.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.11% |
| Securities to assets | 28.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.18% | 1.02% | 3.44% | 0.08% | 0.01% |
| Q4 2023 | 11.25% | 1.14% | 3.51% | 0.07% | 0.03% |
| Q1 2024 | 11.52% | 1.20% | 3.60% | 0.09% | 0.00% |
| Q2 2024 | 11.93% | 1.41% | 3.75% | 0.08% | 0.02% |
| Q3 2024 | 12.26% | 1.57% | 3.92% | 0.07% | 0.02% |
| Q4 2024 | 12.14% | 1.15% | 4.01% | 0.06% | 0.09% |
| Q1 2025 | 11.97% | 1.50% | 3.88% | 0.21% | 0.03% |
| Q2 2025 | 12.12% | 1.68% | 4.02% | 0.06% | 0.04% |
| Q3 2025 | 12.80% | 1.77% | 4.13% | 0.05% | 0.02% |
| Q4 2025 | 12.64% | 1.27% | 4.18% | 0.06% | 0.02% |
| Q1 2026 | 12.69% | 1.63% | 4.01% | 0.07% | 0.01% |
| Q2 2026 | 12.97% | 1.74% | 4.13% | 0.23% | 0.00% |
Exchange Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4619) · FFIEC NIC profile (RSSD 144052)