First Exchange Bank
White Hall, WV
IDRSSD: 170332
Total Assets
$376.46M
Latest filing
Total Deposits
$341.10M
Latest filing
Net Interest Margin
3.70%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Exchange Bank
1 Heritage Way
White Hall, WV 26554
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/27/1932FDIC Certificate 8227
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Exchange Bank (Main) | 1 Heritage Way | White Hall, WV |
| FAIRMONT BRANCH | 216 Fairmont Ave | Fairmont, WV |
| HUNDRED BRANCH | 3128 Hornet Hwy | Hundred, WV |
| FAIRVIEW BRANCH | 309 Main Street | Fairview, WV |
| 3051 UNIVERSITY AVE. BRANCH | 3051 University Ave | Morgantown, WV |
| WEST MAIN STREET BRANCH | 11 W Main St | Mannington, WV |
| PIERPONT LANDING BRANCH | 1000 Mid Atlantic Dr | Morgantown, WV |
Showing 6 of 6
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 | 06/27/1932 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26554 |
| State and County Number | 54049 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| 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 | Fairmont, WV |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstexchangebank.com |
| Data Updated | 01/30/2026 |
| CERT | 13020 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $376.46M |
| Total Deposits | $341.10M |
| Total Liabilities | $346.25M |
| Total Equity Capital | $30.21M |
| Net Income | $451.00k |
| Net Loans and Leases | $288.35M |
| Assets Per Employee ($Millions) | $5.62M |
| Bank Premises and Fixed Assets | $11.90M |
| Cash and Balances due from Depository Institutions | $41.43M |
| Deposits Held in Domestic Offices | $341.10M |
Key Performance Ratios
| Return on Assets (ROA) | 0.48% |
| Return on Equity (ROE) | 6% |
| Net Interest Margin | 3.7% |
| Efficiency Ratio | 78.2% |
| Tier 1 Risk-Based Capital Ratio | 12.807% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.025% |
| Earning Assets to total Assets | 93.42% |
Income and Expense
| Total Interest Income | $4.97M |
| Total Noninterest Income | $543.00k |
| Total Interest Expense | $1.71M |
| Total Noninterest Expense | $2.97M |
| Net Interest Income | $3.26M |
| Pre-tax Net Operating Income | $451.00k |
| Provision for Credit Losses | $377.00k |
| 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 | $3.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.06M |
| Total Liabilities and Capital | $376.46M |
Securities
| Securities | $25.72M |
| Available-for-sale debt securities | $25.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Exchange Bank?
$376.46M as of the latest filing.
How much are First Exchange Bank's total deposits?
$341.10M in total deposits.
Where is First Exchange Bank located?
White Hall, WV.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
7.
When was it established?
06/27/1932.
What is the Return on Assets (ROA)?
0.48%.
How much are total loans and leases?
$288.35M (latest filing).
What is the total interest income (latest filing)?
$4.97M.