Banks EXCHANGE BANK AND TRUST COMPANY

EXCHANGE BANK AND TRUST COMPANY

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

EXCHANGE BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 14.28%, well above regulatory minimums. NPL ratio: 1.25% · Texas Ratio: 10.08%.

Assets
$418M
Deposits
$375M
Loans
$316M
Equity
$35M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)17.42%
Net Interest Margin4.30%
Yield on Assets6.69%
Cost of Funds2.41%

Asset Quality

NPL Ratio1.25%
Net Charge-Off Ratio0.11%
Texas Ratio10.08%
NPA Ratio0.95%
ACL / Loans1.28%

Capital & Liquidity

CET1 Ratio14.28%
Tier 1 Capital14.28%
Total Capital Ratio15.59%
Leverage Ratio10.57%
Loan-to-Deposit84.20%

This is just the summary.

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