Exchange Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank & Trust is an FDIC-insured commercial bank headquartered in Atchison, KS, established in 1856 (FDIC certificate 4619), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $626.8M, up 5.3% from Q2 2025, the 31st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.97% 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
- 4619
- Headquarters
- Atchison, KS
- Established
- 1856
- Total assets, Q2 2026
- $626.8M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 12.97%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101100016
- Latest call report
- Q2 2026, FFIEC 051 · Exchange Bank & Trust call report
- Holding company
- EXCHANGE BANKSHARES CORPORATION OF KANSAS
- Asset rank in state
- 31st of 182 in Kansas
Exchange Bank & Trust, based in Atchison, Kansas, reported $627 million in assets at June 30, 2026, up 5.3% from a year earlier. It shrank its loan book 6.5% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 6.5% and deposits rose 4.4%.
As of June 30, 2026, Exchange Bank & Trust reported a return on assets of 1.74%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Exchange Bank & Trust is the 31st largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $626.8M, loans fell 0.1% and deposits fell 0.5%. 1-4 family residential loans made up 29.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.9%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Atchison 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Exchange Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Commercial St, Atchison, KS 66002
- County
- Atchison
- Metro Area
- Atchison, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1856
- Former names
- Exchange National Bank & Trust Co. (2011-2016); The Exchange National Bank and Trust Company of Atchison (1973-2011)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $539.7M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $635.7M
- Average total loans
- $356.8M
- Average interest-bearing deposits
- $595.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4619
- Fed RSSD
- 144052
- Website
- WWW.EBT.BANK →
- Parent Holding Company
- EXCHANGE BANKSHARES CORPORATION OF KANSAS (RSSD 1054000)
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 & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Exchange Bank & Trust's total assets moved between a low of $553.9M (Q2 2024) and a high of $631.3M (Q4 2025) 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
$626.8M total assets against $595.4M; $547.1M total liabilities against $524.2M.
$360.3M net loans and leases against $385.6M; $539.7M total deposits against $516.7M.
$181.7M securities against $144.2M; $72.5M cash and balances due against $53.8M.
$8.3M total interest income against $8.1M; $2.0M total interest expense against $2.2M.
$6.3M net interest income against $5.9M.
$637K total noninterest income against $601K; $3.4M total noninterest expense against $3.2M.
$0 provision for credit losses against $0.
$2.8M net income against $2.6M.
1.74% return on assets against 1.68%; 4.13% net interest margin against 4.02%.
12.97% tier 1 leverage ratio against 12.12%.
Inside the full Exchange Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExchange Bank & Trust rankings
Its closest position to the top of a national ranking is 630 of 3,606, for efficiency ratio; its furthest is 2,675 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q4 2024) to 1.77% (Q3 2025) and its net interest margin ran from 3.88% (Q1 2025) to 4.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 1.74% | 0.23% | 1.00% | 4.13% |
| Q1 2026 | 12.69% | 1.63% | 0.07% | 0.33% | 4.01% |
| Q4 2025 | 12.64% | 1.27% | 0.06% | 0.26% | 4.18% |
| Q3 2025 | 12.80% | 1.77% | 0.05% | 0.24% | 4.13% |
| Q2 2025 | 12.12% | 1.68% | 0.06% | 0.32% | 4.02% |
| Q1 2025 | 11.97% | 1.50% | 0.21% | 1.10% | 3.88% |
| Q4 2024 | 12.14% | 1.15% | 0.06% | 0.33% | 4.01% |
| Q3 2024 | 12.26% | 1.57% | 0.07% | 0.38% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 & Trust (main office) | Atchison , KS | 66002 | $285.8M |
| 630 Delaware Branch | Leavenworth , KS | 66048 | $78.6M |
| Lansing Branch - Towne Centre Branch | Lansing , KS | 66043 | $34.3M |
| Easton Branch | Easton , KS | 66020 | $34.1M |
| Rushville State Bank Branch | Rushville , MO | 64484 | $31.2M |
| Effingham Branch | Effingham , KS | 66023 | $29.4M |
| Troy State Branch | Troy , KS | 66087 | $26.5M |
| Platte City Branch | Platte City , MO | 64079 | $19.9M |
| Exchange Kansas Avenue Motor Branch | Atchison , KS | 66002 | $0 |
| Drive-In Branch | Leavenworth , KS | 66048 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 6, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2012 | Structure Change | Acquired The Troy State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2012 | Structure Change | Acquired Rushville State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2011 | Structure Change | Acquired First National Bank & Trust Co. of Leavenworth Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 10, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 1999 | Structure Change | Acquired The Farmers and Merchants State Bank, Effingham, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1981 | Structure Change | Acquired Exchange Cattle & Farm Loan Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 46 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 141 applications, 115 loans originated, $29.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $175K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust
What are Exchange Bank & Trust's total assets?
As of the Q2 2026 filing, Exchange Bank & Trust reported total assets of $626.8 million in its FFIEC call report.
Where is Exchange Bank & Trust headquartered?
It is headquartered in Atchison, KS, United States.
When was Exchange Bank & Trust founded?
It was established in 1856, per the FDIC institution directory.
Is Exchange Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank & Trust?
Exchange Bank & Trust's primary federal regulator is the FDIC.
How many branches does Exchange Bank & Trust operate?
It operates 10 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 & Trust's Texas Ratio?
Its Texas Ratio is 1.00% 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 & Trust previously called?
The charter now named Exchange Bank & Trust has also operated as Exchange National Bank & Trust Co. (2011-2016), The Exchange National Bank and Trust Company of Atchison (1973-2011), per FDIC structure-change records.
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