Exchange Bank
Skiatook, Oklahoma · FDIC Cert #10672
This is the FDIC profile for Exchange Bank, an FDIC-insured bank (Certificate #10672) with $151M in total assets and $138M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Skiatook, Oklahoma, the bank maintains a Tier 1 capital ratio of 11.31% (Well-Capitalized) and a nonperforming loan ratio of 5.43%. BankHealthData assigns a composite Health Grade of C (56/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Exchange Bank (FDIC cert 10672) is a community bank — $151M in total assets, $138M in deposits, serving the Skiatook, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.31% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 5.43% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 56.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.98% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Exchange Bank carries a composite BankHealth grade of C (56/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Exchange Bank
- Total Assets
- $151M
- Total Deposits
- $138M
- Tier 1 Capital Ratio
- 11.31%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.43%
- Liquidity Ratio
- 56.89%
- Return on Assets
- 0.98%
- Headquarters
- Skiatook, Oklahoma
- FDIC Certificate
- #10672
- Health Grade
- C (56/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Exchange Bank files quarterly Call Reports with the FDIC under Certificate #10672. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Exchange Bank holds a Tier 1 capital ratio of 11.31%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Exchange Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Exchange Bank shows average financial health. While not alarming, its Health Score of 56/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Exchange Bank Compares
Exchange Bank’s Health Score of 56 is 21 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 11.31% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 5.43% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.98% is below the national ROA benchmark of ~1.1%. Among 1365 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Exchange Bank is 24 points below the portfolio average of 80.
Frequently Asked Questions
Exchange Bank has a Bank Health Score of C (56/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.31%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Exchange Bank's Tier 1 capital ratio of 11.31% and nonperforming loan ratio of 5.43% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Exchange Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10672). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Exchange Bank holds $151M in total assets and $138M in total deposits. It is headquartered in Skiatook, Oklahoma (FDIC Certificate #10672).
Exchange Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10672 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Exchange Bank has a Tier 1 capital ratio of 11.31%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.43%, and the return on assets is 0.98%.
Yes. Exchange Bank is FDIC-insured (Certificate #10672). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Exchange Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.