Exchange Bank and Trust Company (Natchitoches, LA)
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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 Natchitoches, LA, established in 1892 (FDIC certificate 10528), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $212.5M, up 7.5% from Q2 2025, the 73rd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.42% 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
- 10528
- Headquarters
- Natchitoches, LA
- Established
- 1892
- Total assets, Q2 2026
- $212.5M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 11.42%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111100909
- Latest call report
- Q2 2026, FFIEC 041 · Exchange Bank and Trust Company call report
- Holding company
- EXCHANGE BANCSHARES, INC.
- Asset rank in state
- 73rd of 102 in Louisiana
Exchange Bank and Trust Company is one of the more profitable banks of its size. Based in Natchitoches, Louisiana, it had $213 million in assets at June 30, 2026, up 7.5% from a year earlier. It earns about $2.26 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Unrealized losses on its securities total $4.3 million, equal to 17% of Tier 1 capital, against 20% a year earlier. Net income for the quarter rose 11% from a year earlier, to $1.3 million.
As of June 30, 2026, Exchange Bank and Trust Company reported a return on assets of 2.26%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 4.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Exchange Bank and Trust Company is the 73rd largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets fell 3.9% to $212.5M, loans rose 1.4% and deposits fell 4.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 68.0% of total loans, followed by owner-occupied commercial real estate loans at 15.4%. Its 3 offices in the FDIC Summary of Deposits are in Natchitoches, LA and Pineville, LA; its Natchitoches 2 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Exchange Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Front St, Natchitoches, LA 71457
- County
- Natchitoches
- Metro Area
- Natchitoches, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- September 28, 1892
- Former names
- Exchange Bank and Trust Company, Natchitoches, Louisiana (1961)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $191.3M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $222.8M
- Average total loans
- $101.4M
- Average interest-bearing deposits
- $148.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10528
- Fed RSSD
- 985451
- Website
- www.exchange-bank.com →
- Parent Holding Company
- EXCHANGE BANCSHARES, INC. (RSSD 1106525)
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 and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Exchange Bank and Trust Company's total assets moved between a low of $169.7M (Q4 2023) and a high of $221.0M (Q1 2026) from Q3 2023 to Q2 2026, 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
$212.5M total assets against $197.7M; $192.0M total liabilities against $179.1M.
$102.9M net loans and leases against $97.2M; $191.3M total deposits against $178.4M.
$97.5M securities against $80.4M; $9.2M cash and balances due against $17.4M.
$2.7M total interest income against $2.4M; $397K total interest expense against $287K.
$2.3M net interest income against $2.1M.
$106K total noninterest income against $115K; $1.0M total noninterest expense against $1.1M.
$100K provision for credit losses against $0.
$1.3M net income against $1.1M.
2.26% return on assets against 2.27%; 4.19% net interest margin against 4.34%.
11.42% tier 1 leverage ratio against 12.06%.
Inside the full Exchange Bank and Trust Company 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Exchange Bank and Trust Company rankings
Its closest position to the top of a national ranking is 271 of 3,611, for ROA; its furthest is 2,886 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.09% (Q1 2025) to 3.08% (Q4 2024) and its net interest margin ran from 4.04% (Q1 2025) to 4.62% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.42% | 2.26% | 0.89% | 4.31% | 4.19% |
| Q1 2026 | 11.23% | 2.22% | 0.82% | 4.01% | 4.13% |
| Q4 2025 | 12.76% | 2.49% | 0.80% | 3.98% | 4.62% |
| Q3 2025 | 13.01% | 2.35% | 0.83% | 3.89% | 4.52% |
| Q2 2025 | 12.06% | 2.27% | 0.94% | 4.70% | 4.34% |
| Q1 2025 | 11.82% | 2.09% | 1.42% | 7.16% | 4.04% |
| Q4 2024 | 12.83% | 3.08% | 1.59% | 8.37% | 4.47% |
| Q3 2024 | 12.95% | 2.58% | 1.43% | 7.22% | 4.46% |
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, Natchitoches, Louisiana | Natchitoches , LA | 71457 | $191.3M |
| East Natchitoches Branch | Natchitoches , LA | 71457 | $0 |
| Exchange Bank & Trust Company, Pineville Branch | Pineville , LA | 71360 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 83 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 $212.5 million in its FFIEC call report.
Where is Exchange Bank and Trust Company headquartered?
It is headquartered in Natchitoches, LA, United States.
When was Exchange Bank and Trust Company founded?
It was established in 1892, per the FDIC institution directory.
Is Exchange Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10528). 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 FDIC.
How many branches does Exchange Bank and Trust Company operate?
It operates 4 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 4.31% 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.
What was Exchange Bank and Trust Company previously called?
The charter now named Exchange Bank and Trust Company has also operated as Exchange Bank and Trust Company, Natchitoches, Louisiana (1961), per FDIC structure-change records.
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