EXCHANGE BANK AND TRUST COMPANY

PERRY, OK | Small | Est. Feb. 20, 1896, midnight | FDIC #13366 | RSSD #456755 | FED
Latest Report: 2025-12-31

EXCHANGE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PERRY, OK, established in Feb. 20, 1896, midnight. As of 2025-12-31, the bank reported total assets of $418M and total deposits of $375M. Profitability stands at 1.44% ROA and 17.42% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 14.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.25% and a Texas Ratio of 10.08%. FDIC Certificate #13366.

Assets

$418M

Deposits

$375M

Loans

$316M

Equity

$35M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 17.42%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.69%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 1.25%
Net Charge-Off Ratio 0.11%
Texas Ratio 10.08%
NPA Ratio 0.95%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 14.28%
Tier 1 Capital 14.28%
Total Capital Ratio 15.59%
Leverage Ratio 10.57%
Loan-to-Deposit 84.20%

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