BlastPoint's Banking Scorecard
Exchange Bank & Trust
Community
Specialty: Agricultural
KS
FDIC cert 4619
Atchison, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Exchange Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34% in Community
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$631.3M
+6.7% YoY
+6.5% QoQ
|
-$760.2M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$372.6M
-3.7% YoY
-2.1% QoQ
|
-$602.9M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$543.5M
+4.7% YoY
+6.4% QoQ
|
-$621.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.57%
+18.1% YoY
-6.5% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.05%
+7.3% YoY
+0.2% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
53.55%
-7.6% YoY
+7.1% QoQ
|
-9.08% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.06%
-4.3% YoY
+13.3% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
68.56%
-8.0% YoY
-8.0% QoQ
|
-14.50% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
5.66%
-2.7% YoY
+6.9% QoQ
|
-15.39% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-13.6% YoY
+4.2% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.40%
-11.6% YoY
+27.3% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#125 of 371 · Top 34% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.66%
(Tier avg: 21.05%, National avg: 21.79%)
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
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 53.55% · Tier avg: 62.63%
72
72th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Deposits
Current: $543.5M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $631.3M · Tier avg: $1.4B
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.56% · Tier avg: 83.06%
11
11th pctile
Total Loans
Current: $372.6M · Tier avg: $975.5M
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.66% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.66% · Tier avg: 21.05%
11
11th pctile
Total Loans
Current: $372.6M · Tier avg: $975.5M
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.56% · Tier avg: 83.06%
19
19th pctile
Total Assets
Current: $631.3M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $543.5M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
72
72th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
76
76th pctile
Efficiency Ratio
Current: 53.55% · Tier avg: 62.63%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%