First Exchange Bank
Asset quality shifted last quarter — NPLs rose to 5.68% from 3.71% in the prior period. First Exchange Bank is a locally rooted FDIC-insured community bank based in White Hall, WV, during the Great Depression banking crisis. The Q1 2026 balance sheet stands at $385M in assets, including $292M in loans. Earnings are mid-range — 0.89% ROA and a 3.65% net interest margin. Capital cushions are healthy: 12.63% CET1, 9.05% Tier 1 leverage. Credit metrics show stress — 5.68% NPLs and a 48.32% Texas Ratio above the 100% historical failure threshold. 7 branches make up the footprint.
Headquarters Profile
- Address
- 1 Heritage Way, WHITE HALL, WV 26554
- County
- Marion
- Metro Area
- FAIRMONT, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- June 27, 1932
- Branches
- 7 domestic
- Employees (FTE)
- 64
- FDIC Cert
- 13020
- Fed RSSD
- 170332
- Website
- www.firstexchangebank.com →
- Parent Holding Company
- HERITAGE BANCSHARES, INC. (RSSD 2257116)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
First Exchange Bank 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… | |||
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Frequently asked about First Exchange Bank
What are First Exchange Bank's total assets?
As of the Q1 2026 filing, First Exchange Bank reported total assets of $385.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Exchange Bank headquartered?
First Exchange Bank is headquartered in WHITE HALL, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Exchange Bank founded?
First Exchange Bank was established in 1932, per the FDIC institution directory.
Is First Exchange Bank FDIC-insured?
Yes. First Exchange Bank is an FDIC-insured commercial bank (FDIC Certificate #13020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Exchange Bank?
First Exchange Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Exchange Bank's CET1 capital ratio?
First Exchange Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.63% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Exchange Bank operate?
First Exchange Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Exchange Bank's Texas Ratio?
First Exchange Bank's Texas Ratio is 48.32% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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