The Exchange Bank: how it compares with its peers
Against 61 OK banks with half to twice its assets, The Exchange Bank's strongest measure in Q2 2026 is return on assets (1.13% vs. a 1.53% peer median). Its weakest relative measure is net interest margin (3.84% vs. 4.27%).
| Measure | The Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.53% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 4.27% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.78% | 59.27% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.1M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 36.49% | 74.23% | Context |
What it means for lending operations
Its efficiency ratio of 69.78% is above the 59.27% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First State Bank Boise City, OK · $160M
- Carson Community Bank Stilwell, OK · $167M
- Security Bank and Trust Company Miami, OK · $167M
- The Peoples National Bank of Checotah Checotah, OK · $172M
- All Capital Bank Locust Grove, OK · $176M
- The Farmers Bank Carnegie, OK · $140M
Questions about The Exchange Bank
How big is The Exchange Bank?
The Exchange Bank, established in 1930, is headquartered in Skiatook, OK. It reported $158M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Exchange Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.53% median for 61 OK banks with half to twice its assets, ahead of 30% of them.
What is The Exchange Bank's efficiency ratio?
69.78% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 59.27%, and lower is better.
Is The Exchange Bank growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.