Exchange Bank and Trust Company (Perry, OK)
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank and Trust Company is an FDIC-insured commercial bank headquartered in Perry, OK, established in 1896 (FDIC certificate 13366), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $428.7M, up 4.2% from Q2 2025, the 63rd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13366
- Headquarters
- Perry, OK
- Established
- 1896
- Total assets, Q2 2026
- $428.7M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 14.69%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103101628
- Latest call report
- Q2 2026, FFIEC 041 · Exchange Bank and Trust Company call report
- Holding company
- PERRY BANCSHARES, INC.
- Asset rank in state
- 63rd of 169 in Oklahoma
Exchange Bank and Trust Company is one of the more profitable banks of its size. It reported $429 million in assets at June 30, 2026, up 4.2% from a year earlier. It returns 22.9% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 12.3% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.1 million, 42% above the same quarter a year earlier. Over the same year, loans grew 8.5% and deposits grew 3.4%. Funding is the softer spot: it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Exchange Bank and Trust Company reported a CET1 capital ratio of 14.69%, a return on assets of 1.97%, a nonperforming-loan ratio of 1.59% and a Texas ratio of 12.33%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Exchange Bank and Trust Company is the 63rd largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $428.7M, loans rose 1.6% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.7% of total loans, ahead of owner-occupied commercial real estate loans at 16.5%. Its 3 offices in the FDIC Summary of Deposits are in Perry, OK and Stillwater, OK; its Perry office books 63% of its branch deposits. Judged on its Q2 2026 call report, Exchange Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 523 Delaware St, Perry, OK 73077
- County
- Noble
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 20, 1896
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $385.9M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $108K
- Average total assets
- $429.2M
- Average total loans
- $318.9M
- Average interest-bearing deposits
- $307.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13366
- Fed RSSD
- 456755
- Website
- www.easybanking.bank →
- Parent Holding Company
- PERRY BANCSHARES, INC. (RSSD 1064175)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Exchange Bank and Trust Company's total assets moved between a low of $374.4M (Q3 2023) and a high of $433.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$428.7M total assets against $411.6M; $391.3M total liabilities against $381.3M.
$318.9M net loans and leases against $294.1M; $385.9M total deposits against $373.2M.
$76.1M securities against $79.6M; $11.0M cash and balances due against $15.1M.
$6.6M total interest income against $6.1M; $2.3M total interest expense against $2.3M.
$4.3M net interest income against $3.7M.
$917K total noninterest income against $880K; $3.0M total noninterest expense against $2.9M.
$150K provision for credit losses against $150K.
$2.1M net income against $1.5M.
1.97% return on assets against 1.46%; 4.11% net interest margin against 3.74%.
14.69% CET1 capital ratio against 14.07%; 10.75% tier 1 leverage ratio against 10.41%.
Inside the full Exchange Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExchange Bank and Trust Company rankings
Its closest position to the top of a national ranking is 454 of 3,640, for Texas Ratio; its furthest is 1,959 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q3 2024) to 1.97% (Q2 2026) and its net interest margin ran from 3.28% (Q3 2024) to 4.12% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.69% | 1.97% | 1.59% | 12.33% | 4.11% |
| Q1 2026 | 14.52% | 1.79% | 1.60% | 12.46% | 4.07% |
| Q4 2025 | 14.28% | 1.44% | 1.67% | 13.45% | 4.12% |
| Q3 2025 | 14.22% | 1.61% | 1.44% | 11.66% | 4.00% |
| Q2 2025 | 14.07% | 1.46% | 1.58% | 13.80% | 3.74% |
| Q1 2025 | 14.04% | 1.09% | 1.66% | 13.97% | 3.61% |
| Q4 2024 | 13.84% | 1.17% | 1.79% | 15.33% | 3.59% |
| Q3 2024 | 13.59% | 0.91% | 1.77% | 14.92% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 and Trust Company (main office) | Perry , OK | 73077 | $241.5M |
| Stillwater Branch | Stillwater , OK | 74074 | $106.2M |
| Stillwater Main Street Branch | Stillwater , OK | 74075 | $38.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 63 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $900K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 and Trust Company
What are Exchange Bank and Trust Company's total assets?
As of the Q2 2026 filing, Exchange Bank and Trust Company reported total assets of $428.7 million in its FFIEC call report.
Where is Exchange Bank and Trust Company headquartered?
It is headquartered in Perry, OK, United States.
When was Exchange Bank and Trust Company founded?
It was established in 1896, per the FDIC institution directory.
Is Exchange Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank and Trust Company?
Exchange Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is Exchange Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Exchange Bank and Trust Company operate?
It operates 3 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 12.33% 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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