First Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Exchange Bank of White Hall, WV 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 | 0.96% | 1.25% | -0.29% | 30th below |
| ROAE | 12.28% | 13.17% | -0.89% | 49th below |
| Net Interest Margin | 3.74% | 3.95% | -0.21% | 39th below |
| Efficiency Ratio | 69.86% | 61.50% | +8.36% | 27th below |
| PPNR / Avg Assets | 1.24% | — | — | 29th below |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.77% | 1.87% | -0.10% | 52nd above |
| Net Interest Spread | 3.25% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.92% | 0.93% | +1.99% | 7th bottom |
| NPA / Total Assets | 2.20% | — | — | 6th bottom |
| NCO / Avg Loans | -0.40% | 0.15% | -0.55% | 99th top |
| ACL / Total Loans | 1.49% | — | — | 78th top |
| ACL / NPLs (Coverage) | 51.09% | — | — | 11th bottom |
| Texas Ratio | 17.43% | 6.06% | +11.37% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.76% | 17.18% | -4.42% | 25th below |
| Tier 1 Ratio | 12.76% | 17.21% | -4.45% | 24th bottom |
| Total Capital Ratio | 14.02% | — | — | 26th below |
| Leverage Ratio | 8.96% | 11.75% | -2.79% | 12th bottom |
| Equity / Assets | 7.94% | 10.98% | -3.04% | 13th bottom |
| TCE / Tangible Assets | 7.94% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.66% | 80.44% | +2.22% | 46th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.52% | 86.95% | +0.57% | 42nd below |
| Wholesale Funding Ratio | 0.37% | — | — | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.78% | — | — | 45th below |
| Loan Growth (Y/Y) | -0.70% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 3.94% | — | — | 49th below |
See First Exchange Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Exchange Bank, 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 First Exchange Bank profile, how to read a UBPR, or how this data updates.