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Exchange Bank Co

IDRSSD: 2747466
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2026-Q1QoQ +6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #2747466 2026-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +28

The five pillars

Liquidity

StrongQoQ +2
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.1%, cash 11.0% of assets.

Cash / Assets
10.96%
Loans / Deposits
63.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.33%
No watch items at this period.

Capitalization

StableQoQ -2
76
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 8.85%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ +7
95
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 3.8%, NCO YTD -0.02%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
-0.02%
30-89 PD
0.81%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +28
100
Sub-score

Reserves are strong: ALLL 1.52% of loans, coverage 243.1%, true coverage 243.1%.

ALLL / Loans
1.52%
Coverage
243.1%
True Loss Coverage
243.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 15:11:53 UTC