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Exchange Bank
Milledgeville, GA · FDIC Certificate #160 · Chartered 06/0
Total assets
$410.31M
Total deposits
$358.86M
Total equity
$39.24M
Net loans
$302.13M
Branches (offices)
5
Net income (YTD)
-$1.47M
Rank: #2,033 of 4,213 U.S. banks by assets · #52 of 123 in Georgia. Assets changed 0.2% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.70% |
| Return on equity | -7.12% |
| Net interest margin (YTD) | 5.07% |
| Equity to assets | 9.56% |
| Tier 1 leverage ratio | 11.93% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.2% |
| Real estate loans (share of loans) | 98.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $298.42M | 98.8% | |
| Commercial & industrial | $6.73M | 2.2% | |
| Consumer / individual | $1.44M | 0.5% | |
| Construction & development | $111.89M | 37.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $368.46M | $335.39M | $1.92M | $32.53M |
| Jun 2023 | $375.03M | $317.30M | $1.88M | $35.72M |
| Jun 2024 | $385.00M | $318.71M | $2.10M | $39.72M |
| Jun 2025 | $409.43M | $342.58M | $2.61M | $44.39M |
| Jun 2026 | $410.31M | $358.86M | -$1.47M | $39.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $358.86M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $358.86M.
Similar-sized banks
Bank Of Lexington, Inc. ($410.81M) · Central Bank Of Kansas City ($410.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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