BanksSTATE EXCHANGE BANK, THE

STATE EXCHANGE BANK, THE

LAMONT, OKMicroEst. Oct. 1, 1901, midnightFDIC #13551RSSD #354851FDIC
Latest · 2025-12-31

STATE EXCHANGE BANK, THE is an FDIC-insured commercial bank headquartered in LAMONT, OK, established in Oct. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $84M. Profitability stands at 2.39% ROA and 23.69% ROE, with a net interest margin of 4.85%. CET1 capital ratio: 10.32%, well above regulatory minimums. NPL ratio: 5.52% · Texas Ratio: 33.74%. Operates 1 domestic branch.

Assets
$95M
Deposits
$84M
Loans
$71M
Equity
$10M

Profitability

Return on Assets (ROA)2.39%
Return on Equity (ROE)23.69%
Net Interest Margin4.85%
Yield on Assets7.70%
Cost of Funds2.92%

Asset Quality

NPL Ratio5.52%
Net Charge-Off Ratio4.12%
Texas Ratio33.74%
NPA Ratio4.11%
ACL / Loans2.50%

Capital & Liquidity

CET1 Ratio10.32%
Tier 1 Capital10.32%
Total Capital Ratio10.84%
Leverage Ratio10.54%
Loan-to-Deposit84.15%

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