BlastPoint's Banking Scorecard
First Exchange Bank
Micro
Specialty: Commercial
WV
FDIC cert 13020
Designations: ✓ Community bank
White Hall, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
First Exchange Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.90% above tier
- - Nonperforming Asset Ratio 1.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$376.5M
-1.3% YoY
-0.0% QoQ
|
+$159.0M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$288.4M
-3.1% YoY
+0.6% QoQ
|
+$149.2M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$341.1M
+0.1% YoY
+0.1% QoQ
|
+$157.4M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.46%
-0.1% YoY
+1.0% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.47%
+10.5% YoY
+2.3% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
77.71%
-2.3% YoY
+0.2% QoQ
|
+9.98% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
2.54%
+22.1% YoY
-12.1% QoQ
|
+1.90% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
84.54%
-3.2% YoY
+0.5% QoQ
|
+10.01% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
17.42%
+2.7% YoY
-1.1% QoQ
|
-4.97% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.94%
+19.8% YoY
-11.6% QoQ
|
+1.49% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
12.81%
-0.7% YoY
-3.9% QoQ
|
+3.95% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.54%
+2.0% YoY
+36.7% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.94%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $288.4M · Tier avg: $139.2M
88
88th pctile
Total Deposits
Current: $341.1M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $376.5M · Tier avg: $217.5M
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 8.85%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.42% · Tier avg: 22.39%
24
24th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
9
9th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.64%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 67.73%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.42% · Tier avg: 22.39%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 8.85%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 74.53%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
85
85th pctile
Total Assets
Current: $376.5M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $341.1M · Tier avg: $183.7M
90
90th pctile
Total Loans
Current: $288.4M · Tier avg: $139.2M