The State Exchange Bank (Lamont, OK)
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Data as of · sourced from FFIEC call reports. How we update
The State Exchange Bank is an FDIC-insured commercial bank headquartered in Lamont, OK, established in 1901 (FDIC certificate 13551), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $89.6M, down 6.0% from Q2 2025, the 135th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.65% 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
- 13551
- Headquarters
- Lamont, OK
- Established
- 1901
- Total assets, Q2 2026
- $89.6M
- Assets vs Q2 2025
- -6.0%
- Tier 1 leverage ratio, Q2 2026
- 10.65%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103108757
- Holding company
- STATE EXCHANGE BANCSHARES, INC.
- Asset rank in state
- 135th of 169 in Oklahoma
The State Exchange Bank, based in Lamont, Oklahoma, reported $90 million in assets at June 30, 2026, down 6.0% from a year earlier. It carries problem assets equal to 25.5% of the capital and reserves that would absorb them, 18.5 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also shrank its loan book 16.7% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 4.68% of loans from 8.54%. Its $8.4 million commercial and industrial book is improving, with 8.75% past due or on nonaccrual, down from 24.32% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 1.2 times its capital, 4.5 times the median of 26% for banks its size.
As of June 30, 2026, The State Exchange Bank reported a return on assets of 1.79%, a nonperforming-loan ratio of 6.88% and a Texas ratio of 25.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The State Exchange Bank is the 135th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 5.2% to $89.6M, loans fell 3.1% and deposits fell 5.9%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 20.7% of total loans, ahead of farmland and other real estate loans at 20.1%. The FDIC Summary of Deposits lists a single office for it, in Lamont, OK. Judged on its Q2 2026 call report, The State Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1280 Main St, Lamont, OK 74643
- County
- Grant
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1901
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $78.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $188K
- Average total assets
- $92.4M
- Average total loans
- $64.6M
- Average interest-bearing deposits
- $65.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13551
- Fed RSSD
- 354851
- Website
- www.stateexchangebank.com →
- Parent Holding Company
- STATE EXCHANGE BANCSHARES, INC. (RSSD 1062500)
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, The State Exchange Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The State Exchange Bank's total assets moved between a low of $89.6M (Q2 2026) and a high of $125.2M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.6M total assets against $95.3M; $79.8M total liabilities against $86.3M.
$60.9M net loans and leases against $73.8M; $78.6M total deposits against $85.0M.
$5.7M securities against $5.3M; $19.8M cash and balances due against $13.0M.
$1.5M total interest income against $1.4M; $555K total interest expense against $725K.
$922K net interest income against $687K.
$126K total noninterest income against $148K; $635K total noninterest expense against $627K.
$0 provision for credit losses against $2.1M.
$413K net income against -$1.9M.
1.79% return on assets against -7.34%; 4.18% net interest margin against 2.66%.
10.65% tier 1 leverage ratio against 8.72%.
Inside the full The State Exchange Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The State Exchange Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -7.34% (Q2 2025) to 2.41% (Q4 2025) and its net interest margin ran from 1.85% (Q3 2024) to 4.60% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.65% | 1.79% | 6.88% | 25.47% | 4.18% |
| Q1 2026 | 10.72% | -0.03% | 5.15% | 16.45% | 3.47% |
| Q4 2025 | 10.54% | 2.41% | 5.52% | 21.36% | 4.60% |
| Q3 2025 | 9.95% | 0.66% | 10.93% | 61.49% | 3.28% |
| Q2 2025 | 8.72% | -7.34% | 11.32% | 61.65% | 2.66% |
| Q1 2025 | 9.68% | 0.07% | 14.34% | 95.25% | 2.82% |
| Q4 2024 | 9.53% | 0.90% | 8.74% | 58.40% | 3.14% |
| Q3 2024 | 9.39% | -4.11% | 10.34% | 72.98% | 1.85% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| The State Exchange Bank | Lamont , OK | 74643 | $78.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 152 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $147K approved, $147K 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 The State Exchange Bank
What are The State Exchange Bank's total assets?
As of the Q2 2026 filing, The State Exchange Bank reported total assets of $89.6 million in its FFIEC call report.
Where is The State Exchange Bank headquartered?
It is headquartered in Lamont, OK, United States.
When was The State Exchange Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The State Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Exchange Bank?
The State Exchange Bank's primary federal regulator is the FDIC.
How many branches does The State Exchange Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State Exchange Bank's Texas Ratio?
Its Texas Ratio is 25.47% 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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