Exchange Bank (Milledgeville, GA)
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank is an FDIC-insured commercial bank headquartered in Milledgeville, GA, established in 1903 (FDIC certificate 160), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $410.3M, up 0.2% from Q2 2025, the 52nd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 160
- Headquarters
- Milledgeville, GA
- Established
- 1903
- Total assets, Q2 2026
- $410.3M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 11.93%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 061101786
- Latest call report
- Q2 2026, FFIEC 051 · Exchange Bank call report
- Holding company
- EXCHANGE BANKSHARES, INC.
- Asset rank in state
- 52nd of 121 in Georgia
Exchange Bank earns an unusually wide margin on its lending. Its balance sheet stood at $410 million at June 30, 2026; it is based in Milledgeville, Georgia. It keeps 5.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 22.0% and deposits rose 4.8%. The non-owner-occupied commercial real estate book ($38 million) is worsening: 11.95% of it is past due or on nonaccrual, up from 4.07% a year earlier.
As of June 30, 2026, Exchange Bank reported a return on assets of 1.89%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Exchange Bank is the 52nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $410.3M, loans rose 5.5% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by construction and land development loans, at 36.5% of total loans, followed by 1-4 family residential loans at 31.1%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in GA; its Milledgeville 2 offices book 74% of its branch deposits. On its Q2 2026 call report, Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 250 W Hancock St, Milledgeville, GA 31061
- County
- Baldwin
- Metro Area
- Milledgeville, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1903
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $358.9M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $419.3M
- Average total loans
- $298.7M
- Average interest-bearing deposits
- $259.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 160
- Fed RSSD
- 613839
- Website
- www.exch.bank →
- Parent Holding Company
- EXCHANGE BANKSHARES, INC. (RSSD 1085862)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Exchange Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Exchange Bank's total assets ran between $370.9M (Q3 2023) and $424.9M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$410.3M total assets against $409.4M; $371.1M total liabilities against $365.0M.
$302.1M net loans and leases against $247.7M; $358.9M total deposits against $342.6M.
$63.3M securities against $135.2M; $24.7M cash and balances due against $13.1M.
$6.5M total interest income against $5.5M; $1.2M total interest expense against $1.4M.
$5.3M net interest income against $4.1M.
$424K total noninterest income against $475K; $3.3M total noninterest expense against $2.8M.
$14K provision for credit losses against $11K.
$2.0M net income against $1.4M.
1.89% return on assets against 1.35%; 5.34% net interest margin against 4.16%.
11.93% tier 1 leverage ratio against 12.38%.
Inside the full Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Exchange Bank rankings
Its closest position to the top of a national ranking is 631 of 3,611, for ROA; its furthest is 3,142 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.13% (Q1 2026) to 1.89% (Q2 2026) and its net interest margin ran from 3.85% (Q3 2024) to 5.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.93% | 1.89% | 0.03% | 0.22% | 5.34% |
| Q1 2026 | 11.02% | -3.13% | 0.10% | 0.72% | 4.38% |
| Q4 2025 | 12.33% | 0.81% | 0.22% | 1.15% | 4.24% |
| Q3 2025 | 12.50% | 1.48% | 0.84% | 4.43% | 4.33% |
| Q2 2025 | 12.38% | 1.35% | 0.27% | 1.43% | 4.16% |
| Q1 2025 | 12.37% | 1.22% | 0.21% | 1.08% | 4.02% |
| Q4 2024 | 12.26% | 1.20% | 0.56% | 2.93% | 3.90% |
| Q3 2024 | 12.23% | 1.23% | 0.25% | 1.29% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Exchange Bank (main office) | Milledgeville , GA | 31061 | $218.5M |
| The Gray Office | Gray , GA | 31032 | $55.7M |
| Lake Sinclair Branch | Milledgeville , GA | 31061 | $48.3M |
| Exchange Bank of Lake Oconee Branch | Greensboro , GA | 30642 | $31.2M |
| Braselton Branch | Braselton , GA | 30517 | $5.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 71 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $3.4M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Exchange Bank
What are Exchange Bank's total assets?
As of the Q2 2026 filing, Exchange Bank reported total assets of $410.3 million in its FFIEC call report.
Where is Exchange Bank headquartered?
It is headquartered in Milledgeville, GA, United States.
When was Exchange Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank?
Exchange Bank's primary federal regulator is the FDIC.
How many branches does Exchange Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Exchange Bank's Texas Ratio?
Its Texas Ratio is 0.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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