Banks EXCHANGE BANK

EXCHANGE BANK

MILLEDGEVILLE, GA Small Est. June 1, 1903, midnight FDIC #160 RSSD #613839 FDIC
Latest · 2025-12-31

EXCHANGE BANK is an FDIC-insured commercial bank headquartered in MILLEDGEVILLE, GA, established in June 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $425M and total deposits of $345M. Profitability stands at 0.82% ROA and 7.50% ROE, with a net interest margin of 4.47%. CET1 capital ratio: 10.75%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 1.15%.

Assets
$425M
Deposits
$345M
Loans
$271M
Equity
$46M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)7.50%
Net Interest Margin4.47%
Yield on Assets6.01%
Cost of Funds1.61%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.00%
Texas Ratio1.15%
NPA Ratio0.14%
ACL / Loans1.64%

Capital & Liquidity

CET1 Ratio10.75%
Tier 1 Capital10.75%
Total Capital Ratio11.29%
Leverage Ratio12.33%
Loan-to-Deposit78.59%

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