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First Exchange Bank
White Hall, WV · FDIC Certificate #13020 · Chartered 06/2
Total assets
$391.05M
Total deposits
$356.52M
Total equity
$31.06M
Net loans
$290.31M
Branches (offices)
7
Net income (YTD)
$1.79M
Rank: #2,096 of 4,213 U.S. banks by assets · #16 of 41 in West Virginia. Assets changed 3.8% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 11.74% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 7.94% |
| Tier 1 leverage ratio | 8.96% |
| Uninsured deposits (share of deposits) | 14.0% |
| Noncurrent loans (share of loans) | 2.10% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 81.4% |
| Real estate loans (share of loans) | 90.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $263.22M | 90.7% | |
| Commercial & industrial | $19.10M | 6.6% | |
| Consumer / individual | $11.17M | 3.8% | |
| Construction & development | $6.18M | 2.1% | |
| Agricultural | $349.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $320.05M | $291.37M | $1.44M | $26.54M |
| Jun 2023 | $339.02M | $288.56M | $2.10M | $27.34M |
| Jun 2024 | $387.46M | $339.71M | $1.06M | $28.23M |
| Jun 2025 | $376.82M | $343.02M | $713.00K | $28.68M |
| Jun 2026 | $391.05M | $356.52M | $1.79M | $31.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $356.52M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $356.52M.
Similar-sized banks
Alliance Bank ($391.28M) · San Luis Valley Federal Bank ($390.20M)
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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