Exchange Bank & Trust
Atchison, KS
IDRSSD: 144052
Total Assets
$592.78M
Latest filing
Total Deposits
$510.82M
Latest filing
Net Interest Margin
4.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Exchange Bank & Trust
600 Commercial St
Atchison, KS 66002
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1856FDIC Certificate 3062
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Exchange Bank & Trust (Main) | 600 Commercial St | Atchison, KS |
| EXCHANGE KANSAS AVENUE MOTOR BRANCH | 712 Kansas Avenue Limited Service-Dr | Atchison, KS |
| DRIVE-IN BRANCH | 701 Shawnee St | Leavenworth, KS |
| 630 DELAWARE BRANCH | 630 Delaware St | Leavenworth, KS |
| EASTON BRANCH | 216 W Riley St | Easton, KS |
| LANSING BRANCH - TOWNE CENTRE BRANCH | 399 Centre Dr | Lansing, KS |
| PLATTE CITY BRANCH | 2443 Nw Prairie View Rd | Platte City, MO |
| RUSHVILLE STATE BANK BRANCH | 201 Valley St | Rushville, MO |
Showing 7 of 9
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1856 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66002 |
| State and County Number | 20005 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Atchison, KS |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.EBT.BANK |
| Data Updated | 11/14/2025 |
| CERT | 4619 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $592.78M |
| Total Deposits | $510.82M |
| Total Liabilities | $518.46M |
| Total Equity Capital | $74.32M |
| Net Income | $2.65M |
| Net Loans and Leases | $380.50M |
| Assets Per Employee ($Millions) | $7.7M |
| Bank Premises and Fixed Assets | $5.09M |
| Cash and Balances due from Depository Institutions | $51.45M |
| Deposits Held in Domestic Offices | $510.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.79% |
| Return on Equity (ROE) | 14.58% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 49.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.538% |
| Earning Assets to total Assets | 97.15% |
Income and Expense
| Total Interest Income | $8.06M |
| Total Noninterest Income | $663.00k |
| Total Interest Expense | $2.12M |
| Total Noninterest Expense | $3.26M |
| Net Interest Income | $5.94M |
| Pre-tax Net Operating Income | $3.34M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.44M |
| All Other Liabilities | $3.21M |
| Total Liabilities and Capital | $592.78M |
Securities
| Securities | $147.93M |
| Available-for-sale debt securities | $147.86M |
| 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 & Trust?
$592.78M as of the latest filing.
How much are Exchange Bank & Trust's total deposits?
$510.82M in total deposits.
Where is Exchange Bank & Trust located?
Atchison, KS.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1856.
What is the Return on Assets (ROA)?
1.79%.
How much are total loans and leases?
$380.50M (latest filing).
What is the total interest income (latest filing)?
$8.06M.