EXCHANGE BANK & TRUST

ATCHISON, KS | Medium | Est. Jan. 1, 1856, midnight | FDIC #4619 | RSSD #144052 | FDIC
Latest Report: 2025-12-31

EXCHANGE BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in ATCHISON, KS, established in Jan. 1, 1856, midnight. As of 2025-12-31, the bank reported total assets of $631M and total deposits of $543M. Profitability stands at 1.28% ROA and 10.45% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 12.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.22%. FDIC Certificate #4619.

Assets

$631M

Deposits

$543M

Loans

$378M

Equity

$76M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.45%
Net Interest Margin (NIM) 4.39%
Yield on Assets 5.86%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.22%
NPA Ratio 0.03%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 12.03%
Tier 1 Capital 12.03%
Total Capital Ratio 12.63%
Leverage Ratio 12.64%
Loan-to-Deposit 69.53%

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