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The Exchange Bank
Skiatook, OK · FDIC Certificate #10672 · Chartered 06/0
Total assets
$158.38M
Total deposits
$142.32M
Total equity
$15.67M
Net loans
$51.93M
Branches (offices)
3
Net income (YTD)
$882.00K
Rank: #3,244 of 4,213 U.S. banks by assets · #112 of 168 in Oklahoma. Assets changed 3.0% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 11.44% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 9.89% |
| Tier 1 leverage ratio | 12.10% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 36.5% |
| Real estate loans (share of loans) | 65.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.05M | 65.6% | |
| Commercial & industrial | $12.77M | 24.6% | |
| Consumer / individual | $1.80M | 3.5% | |
| Construction & development | $4.14M | 8.0% | |
| Agricultural | $106.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $149.67M | $139.06M | $427.00K | $10.17M |
| Jun 2023 | $143.55M | $132.27M | $823.00K | $10.60M |
| Jun 2024 | $150.62M | $137.77M | $645.00K | $12.33M |
| Jun 2025 | $153.80M | $140.15M | $682.00K | $13.18M |
| Jun 2026 | $158.38M | $142.32M | $882.00K | $15.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $142.32M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $142.32M.
Similar-sized banks
The First National Bank Of Arenzville ($158.69M) · First Southeast Bank ($158.29M)
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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