Exchange Bank and Trust Company
Exchange Bank and Trust Company quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $433M | $391M | $314M | $37M | $2M | 1.78% | 21.05% | 4.18% | 1.60% |
| Q4 2025 | $418M | $375M | $312M | $35M | $2M | 1.40% | 18.08% | 3.98% | 1.67% |
| Q3 2025 | $415M | $373M | $301M | $34M | $2M | 1.38% | 18.31% | 3.90% | 1.44% |
| Q2 2025 | $412M | $373M | $294M | $30M | $1M | 1.27% | 17.28% | 3.79% | 1.58% |
| Q1 2025 | $406M | $368M | $289M | $30M | $1M | 1.08% | 14.68% | 3.66% | 1.66% |
| Q4 2024 | $401M | $364M | $286M | $29M | $1M | 1.00% | 13.52% | 3.45% | 1.79% |
| Q3 2024 | $402M | $361M | $288M | $31M | $905K | 0.94% | 12.68% | 3.38% | 1.77% |
| Q2 2024 | $396M | $356M | $284M | $29M | $1M | 0.96% | 13.08% | 3.40% | 1.29% |
| Q1 2024 | $394M | $359M | $279M | $29M | $829K | 0.85% | 11.52% | 3.36% | 1.20% |
| Q4 2023 | $385M | $345M | $269M | $29M | $876K | 1.07% | 15.22% | 3.56% | 0.84% |
| Q3 2023 | $374M | $342M | $264M | $24M | $957K | 1.12% | 16.27% | 3.60% | 0.75% |
| Q2 2023 | $378M | $336M | $262M | $27M | $973K | 1.17% | 16.61% | 3.64% | 0.56% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.