FIRST EXCHANGE BANK

WHITE HALL, WV | Small | Est. June 27, 1932, midnight | FDIC #13020 | RSSD #170332 | FDIC
Latest Report: 2025-12-31

FIRST EXCHANGE BANK is asn small FDIC-insured commercial bank headquartered in WHITE HALL, WV, established in June 27, 1932, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $341M. Profitability stands at 0.48% ROA and 6.00% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 12.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.50% and a Texas Ratio of 21.51%. FDIC Certificate #13020.

Assets

$376M

Deposits

$341M

Loans

$292M

Equity

$30M

Profitability

Return on Assets (ROA) 0.48%
Return on Equity (ROE) 6.00%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.73%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 2.50%
Net Charge-Off Ratio 0.57%
Texas Ratio 21.51%
NPA Ratio 1.94%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 12.81%
Tier 1 Capital 12.81%
Total Capital Ratio 14.06%
Leverage Ratio 9.04%
Loan-to-Deposit 85.64%

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