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The State Exchange Bank
Lamont, OK · FDIC Certificate #13551 · Chartered 10/0
Total assets
$89.60M
Total deposits
$78.58M
Total equity
$9.75M
Net loans
$60.93M
Branches (offices)
1
Net income (YTD)
$406.00K
Rank: #3,753 of 4,213 U.S. banks by assets · #135 of 168 in Oklahoma. Assets changed -6.0% and deposits -7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 8.30% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 10.88% |
| Tier 1 leverage ratio | 10.65% |
| Uninsured deposits (share of deposits) | 20.5% |
| Noncurrent loans (share of loans) | 6.88% |
| Net charge-offs (share of loans) | 0.57% |
| Loans to deposits | 77.5% |
| Real estate loans (share of loans) | 66.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.62M | 66.7% | |
| Commercial & industrial | $8.44M | 13.9% | |
| Consumer / individual | $641.00K | 1.1% | |
| Construction & development | $3.40M | 5.6% | |
| Agricultural | $12.99M | 21.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $98.39M | $84.98M | $865.00K | $9.79M |
| Jun 2023 | $115.91M | $96.27M | $976.00K | $10.89M |
| Jun 2024 | $117.77M | $97.23M | $1.08M | $12.15M |
| Jun 2025 | $95.29M | $84.96M | -$1.91M | $8.99M |
| Jun 2026 | $89.60M | $78.58M | $406.00K | $9.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $78.58M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $78.58M.
Similar-sized banks
Community State Bank ($89.70M) · Eureka Homestead ($89.36M)
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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