Exchange Bank & Trust: how it compares with its peers
Against 53 KS banks with half to twice its assets, Exchange Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (49.46% vs. a 59.38% peer median). Its weakest relative measure is net interest margin (4.06% vs. 3.97%).
| Measure | Exchange Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.48% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 3.97% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.46% | 59.38% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.7M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.76% | 80.78% | Context |
What it means for lending operations
Its efficiency ratio of 49.46% is better than the 59.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Bank Kansas Salina, KS · $619M
- The Bank Oberlin, KS · $617M
- The Bank of Tescott Tescott, KS · $648M
- Outdoor Bank Manhattan, KS · $649M
- Farmers & Merchants Bank of Colby Colby, KS · $651M
- Mid-America Bank Baldwin City, KS · $573M
Questions about Exchange Bank & Trust
How big is Exchange Bank & Trust?
Exchange Bank & Trust, established in 1856, is headquartered in Atchison, KS. It reported $627M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Exchange Bank & Trust's return on assets?
1.70% annualized in Q2 2026, against a 1.48% median for 53 KS banks with half to twice its assets, ahead of 72% of them.
What is Exchange Bank & Trust's efficiency ratio?
49.46% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.38%, and lower is better.
Is Exchange Bank & Trust growing its loans?
Net loans shrank 6.5% over the year to Q2 2026, while deposits grew 4.4%.
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 KS 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 Kansas bank ranked.