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Exchange Bank And Trust Company
Perry, OK · FDIC Certificate #13366 · Chartered 02/2
Total assets
$428.73M
Total deposits
$385.89M
Total equity
$37.43M
Net loans
$318.93M
Branches (offices)
3
Net income (YTD)
$4.01M
Rank: #1,968 of 4,213 U.S. banks by assets · #63 of 168 in Oklahoma. Assets changed 4.2% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.88% |
| Return on equity | 21.99% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 8.73% |
| Tier 1 leverage ratio | 10.75% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 1.59% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 82.6% |
| Real estate loans (share of loans) | 78.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $249.04M | 78.1% | |
| Commercial & industrial | $32.74M | 10.3% | |
| Consumer / individual | $22.64M | 7.1% | |
| Construction & development | $28.72M | 9.0% | |
| Agricultural | $18.37M | 5.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $388.33M | $363.14M | $3.08M | $24.02M |
| Jun 2023 | $378.02M | $335.81M | $2.19M | $26.50M |
| Jun 2024 | $395.79M | $356.02M | $1.88M | $28.63M |
| Jun 2025 | $411.58M | $373.17M | $2.58M | $30.29M |
| Jun 2026 | $428.73M | $385.89M | $4.01M | $37.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $385.89M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $385.89M.
Similar-sized banks
Maquoketa State Bank ($429.01M) · Coffee County Bank ($427.61M)
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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