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Exchange Bank and Trust Company

Perry, OK
IDRSSD: 456755
Total Assets
$414.87M
Latest filing
Total Deposits
$372.87M
Latest filing
Net Interest Margin
4.13%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date02/20/1896
Community BankYes
Ownership TypeNot Mutual
ZIP73077
State and County Number40103
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number10
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees74
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.easybanking.net
Data Updated11/14/2025
CERT13366
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$414.87M
Total Deposits$372.87M
Total Liabilities$381.14M
Total Equity Capital$33.74M
Net Income$1.66M
Net Loans and Leases$301.49M
Assets Per Employee ($Millions)$5.61M
Bank Premises and Fixed Assets$10.49M
Cash and Balances due from Depository Institutions$9.39M
Deposits Held in Domestic Offices$372.87M

Key Performance Ratios

Return on Assets (ROA)1.6%
Return on Equity (ROE)20.68%
Net Interest Margin4.13%
Efficiency Ratio62.22%
Tier 1 Risk-Based Capital Ratio14.218%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.15%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.132%
Earning Assets to total Assets93.89%

Income and Expense

Total Interest Income$6.31M
Total Noninterest Income$878.00k
Total Interest Expense$2.35M
Total Noninterest Expense$3.02M
Net Interest Income$3.97M
Pre-tax Net Operating Income$1.68M
Provision for Credit Losses$150.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$6.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.27M
Total Liabilities and Capital$414.87M

Securities

Securities$81.36M
Available-for-sale debt securities$81.36M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Exchange Bank and Trust Company?
$414.87M as of the latest filing.
How much are Exchange Bank and Trust Company's total deposits?
$372.87M in total deposits.
Where is Exchange Bank and Trust Company located?
Perry, OK.
What is the Net Interest Margin?
4.13%.
How many domestic offices does it operate?
3.
When was it established?
02/20/1896.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$301.49M (latest filing).
What is the total interest income (latest filing)?
$6.31M.