EXCHANGE BANK AND TRUST COMPANY

NATCHITOCHES, LA | Small | Est. Sept. 28, 1892, midnight | FDIC #10528 | RSSD #985451 | FDIC
Latest Report: 2025-12-31

EXCHANGE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in NATCHITOCHES, LA, established in Sept. 28, 1892, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $169M. Profitability stands at 2.47% ROA and 23.66% ROE, with a net interest margin of 4.83%. The bank's CET1 capital ratio is 10.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 3.98%. FDIC Certificate #10528.

Assets

$189M

Deposits

$169M

Loans

$99M

Equity

$19M

Profitability

Return on Assets (ROA) 2.47%
Return on Equity (ROE) 23.66%
Net Interest Margin (NIM) 4.83%
Yield on Assets 5.22%
Cost of Funds 0.40%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.98%
NPA Ratio 0.42%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 10.04%
Tier 1 Capital 10.04%
Total Capital Ratio 10.54%
Leverage Ratio 12.76%
Loan-to-Deposit 58.77%

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