Exchange Bank and Trust Company
Operating from Perry, OK, Exchange Bank and Trust Company serves its local market as an FDIC-insured commercial bank. Exchange Bank and Trust Company's Q1 2026 balance sheet shows $433M in assets funded primarily by $391M in customer deposits. Profitability is strong — 1.79% ROA, paired with 21.05% ROE and a 4.07% net interest margin. Capital cushions are healthy: 14.52% CET1, 10.69% Tier 1 leverage. Credit metrics are in line with industry norms — 1.21% NPL ratio. It operates 3 branches, primarily in Oklahoma.
Headquarters Profile
- Address
- 523 Delaware St, PERRY, OK 73077
- County
- Noble
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 13
- Established
- February 20, 1896
- Branches
- 3 domestic
- Employees (FTE)
- 74
- FDIC Cert
- 13366
- Fed RSSD
- 456755
- Website
- www.easybanking.bank →
- Parent Holding Company
- PERRY BANCSHARES, INC. (RSSD 1064175)
Capital & Liquidity
Inside the full Exchange Bank and Trust Company terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Exchange Bank and Trust Company — freeThis is just Exchange Bank and Trust Company's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Exchange Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Exchange Bank and Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Exchange Bank and Trust Company
What are Exchange Bank and Trust Company's total assets?
As of the Q1 2026 filing, Exchange Bank and Trust Company reported total assets of $433.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Exchange Bank and Trust Company headquartered?
Exchange Bank and Trust Company is headquartered in PERRY, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Exchange Bank and Trust Company founded?
Exchange Bank and Trust Company was established in 1896, per the FDIC institution directory.
Is Exchange Bank and Trust Company FDIC-insured?
Yes. Exchange Bank and Trust Company 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Exchange Bank and Trust Company's CET1 capital ratio?
Exchange Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.52% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Exchange Bank and Trust Company operate?
Exchange Bank and Trust Company operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Exchange Bank and Trust Company's Texas Ratio?
Exchange Bank and Trust Company's Texas Ratio is 12.46% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Exchange Bank and Trust Company.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required