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Exchange Bank & Trust
Atchison, KS · FDIC Certificate #4619 · Chartered 01/0
Total assets
$626.80M
Total deposits
$539.72M
Total equity
$79.69M
Net loans
$360.33M
Branches (offices)
10
Net income (YTD)
$5.33M
Rank: #1,506 of 4,213 U.S. banks by assets · #31 of 183 in Kansas. Assets changed 5.3% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.70% |
| Return on equity | 13.75% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 12.71% |
| Tier 1 leverage ratio | 12.97% |
| Uninsured deposits (share of deposits) | 18.5% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 66.8% |
| Real estate loans (share of loans) | 65.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $235.98M | 65.5% | |
| Commercial & industrial | $34.56M | 9.6% | |
| Consumer / individual | $64.42M | 17.9% | |
| Construction & development | $19.19M | 5.3% | |
| Agricultural | $29.46M | 8.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $557.67M | $495.85M | $2.91M | $49.33M |
| Jun 2023 | $564.78M | $503.26M | $3.18M | $52.90M |
| Jun 2024 | $553.87M | $485.89M | $3.71M | $60.94M |
| Jun 2025 | $595.42M | $516.73M | $4.85M | $71.22M |
| Jun 2026 | $626.80M | $539.72M | $5.33M | $79.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $488.63M | 8 |
| Missouri | $51.09M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $539.72M.
Similar-sized banks
Slovenian Savings And Loan Association Of Canonsburg ($626.99M) · Scale Bank ($626.68M)
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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