First Exchange Bank: 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.
Reserve coverage of non-performing loans climbed 20.30 percentage points in Q2 2026, from 50.78% to 71.08%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, First Exchange Bank is 27th of 41 on return on assets, 0.96% as of Q2 2026. First Exchange Bank reported 0.96% on return on assets for Q2 2026, 0.30 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 14.02% |
| Tier 1 leverage ratio | 8.96% |
| Equity capital to assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.10% |
| Non-performing assets ratio | 1.58% |
| Net charge-off ratio | -0.40% |
| Texas ratio | 17.43% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 71.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 12.28% |
| Net interest margin | 3.74% |
| Efficiency ratio | 69.86% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.66% |
| Core deposits to total deposits | 87.52% |
| Brokered deposits to total deposits | 5.11% |
| Deposits to assets | 91.17% |
| Securities to assets | 7.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.62% | 0.87% |
| Q4 2023 | — | — | — | 9.51% | 1.16% |
| Q1 2024 | — | — | — | 8.88% | 0.54% |
| Q2 2024 | — | — | — | 8.66% | 0.57% |
| Q3 2024 | 12.86% | 12.86% | 14.11% | 8.76% | 0.51% |
| Q4 2024 | 12.89% | 12.89% | 14.15% | 8.83% | 0.24% |
| Q1 2025 | 13.17% | 13.17% | 14.43% | 8.95% | 0.62% |
| Q2 2025 | 12.91% | 12.91% | 14.17% | 8.94% | 0.13% |
| Q3 2025 | 13.33% | 13.33% | 14.58% | 9.08% | 0.64% |
| Q4 2025 | 12.81% | 12.81% | 14.06% | 9.04% | 0.48% |
| Q1 2026 | 12.63% | 12.63% | 13.88% | 9.05% | 0.89% |
| Q2 2026 | 12.76% | 12.76% | 14.02% | 8.96% | 0.96% |
First Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Exchange Bank, 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 First Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13020) · FFIEC NIC profile (RSSD 170332)