Exchange Bank
Milledgeville, GA
IDRSSD: 613839
Total Assets
$424.87M
Latest filing
Total Deposits
$344.54M
Latest filing
Net Interest Margin
4.34%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061101786MILLEDGEVILLE, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Exchange Bank
250 W Hancock St
Milledgeville, GA 31061
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1903FDIC Certificate 126
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Exchange Bank (Main) | 250 W Hancock St | Milledgeville, GA |
| THE GRAY OFFICE | 4306 Gray Hwy | Gray, GA |
| EXCHANGE BANK OF LAKE OCONEE BRANCH | 6081 Lake Oconee Pkwy | Greensboro, GA |
| LAKE SINCLAIR BRANCH | 2801 N Columbia St | Milledgeville, GA |
Showing 3 of 3
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 | 06/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31061 |
| State and County Number | 13009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Milledgeville, GA |
Operational Info
| Number of Employees | 64 |
| Domestic Offices | 4 |
| 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.exch.bank |
| Data Updated | 01/30/2026 |
| CERT | 160 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $424.87M |
| Total Deposits | $344.54M |
| Total Liabilities | $378.45M |
| Total Equity Capital | $46.42M |
| Net Income | $864.00k |
| Net Loans and Leases | $266.32M |
| Assets Per Employee ($Millions) | $6.34M |
| Bank Premises and Fixed Assets | $8.89M |
| Cash and Balances due from Depository Institutions | $7.93M |
| Deposits Held in Domestic Offices | $344.54M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 7.5% |
| Net Interest Margin | 4.34% |
| Efficiency Ratio | 63.16% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.83% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.925% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $5.79M |
| Total Noninterest Income | $511.00k |
| Total Interest Expense | $1.48M |
| Total Noninterest Expense | $3.05M |
| Net Interest Income | $4.31M |
| Pre-tax Net Operating Income | $909.00k |
| Provision for Credit Losses | $868.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $31.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.35M |
| All Other Liabilities | $1.56M |
| Total Liabilities and Capital | $424.87M |
Securities
| Securities | $132.80M |
| Available-for-sale debt securities | $869.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $132.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Exchange Bank?
$424.87M as of the latest filing.
How much are Exchange Bank's total deposits?
$344.54M in total deposits.
Where is Exchange Bank located?
Milledgeville, GA.
What is the Net Interest Margin?
4.34%.
How many domestic offices does it operate?
4.
When was it established?
06/01/1903.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$266.32M (latest filing).
What is the total interest income (latest filing)?
$5.79M.