The State Exchange Bank: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
The State Exchange Bank reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $0 in Q3 2026, against $0 in Q3 2025. That is 0.0% of its total assets.
What the loan modifications and restructuring page covers and where each line comes from.
Nonperforming loans to total loans dropped 1.62 percentage points in Q3 2026, from 1.85% to 0.23%. It was the largest change from Q2 2026 among the key lines here.
Modified loans
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $0 |
| Modified loans to total loans | 0.00% |
| Nonperforming assets excluding restructured loans, to assets | 0.09% |
Source: Call Report Schedules RC-C Memoranda and RC-N. Open the filed call report for Q3 2026 on the FFIEC CDR.
Read against the nonperforming book
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 0.23% |
| Nonaccrual loans to loans | 0.23% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.25% |
| Allowance for credit losses to loans | 1.26% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Source: Call Report Schedules RC-C Memoranda and RC-N. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.00% | 0.39% | 0.00% |
| Q1 2024 | 0.00% | 0.44% | 0.05% |
| Q2 2024 | 0.00% | 0.46% | -0.11% |
| Q3 2024 | 0.00% | 0.51% | -0.32% |
| Q4 2024 | 0.00% | 0.46% | 0.07% |
| Q1 2025 | 0.00% | 0.51% | 0.87% |
| Q2 2025 | 0.00% | 2.67% | -0.15% |
| Q3 2025 | 0.00% | 2.48% | 0.17% |
| Q4 2025 | 0.00% | 1.84% | -0.10% |
| Q1 2026 | 0.00% | 2.08% | 0.00% |
| Q2 2026 | 0.00% | 1.85% | 0.17% |
| Q3 2026 | 0.00% | 0.23% | 0.25% |
The State Exchange Bank loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, Q3 2026. How these pages are built. See the full The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17375) · FFIEC NIC profile (RSSD 571957)