Exchange Bank (FDIC #160): Bank Stress & Real-Estate Credit Exposure

Exchange Bank (FDIC Cert #160): bank stress 91/100, severe, STABLE over 7 days; parent EXCHANGE BANKSHARES INC.

Exchange Bank (#160) lends in 4 counties across 1 state; Exchange Bank (#160) reaches 35 ZIP codes: Georgia 4 counties, 35 ZIPs.

Exchange Bank (#160) largest markets: Jackson County, GA (16 branches, 16 ZIPs) (#160), Jones County, GA (8 branches, 8 ZIPs) (#160), Baldwin County, GA (14 branches, 7 ZIPs) (#160), Greene County, GA (7 branches, 7 ZIPs) (#160).

Exchange Bank (#160) reports $410.3 million in total assets; Exchange Bank (#160) equity $39.2 million (9.6% of Exchange Bank (#160) assets); Exchange Bank (#160) domestic deposits $358.9 million; Exchange Bank (#160) net income minus $1.5 million; Exchange Bank (#160) return on assets -0.70%; Exchange Bank (#160) return on equity -7.12%; Exchange Bank (#160) net interest income $9.8 million; Exchange Bank (#160) call report June 30, 2026.

Exchange Bank (#160) noncurrent real-estate loans: none reported; Exchange Bank (#160) net charge-offs on real estate 0.03%.

Exchange Bank (#160) net interest margin 5.07% against an eight-quarter Exchange Bank (#160) average of 4.23% (Exchange Bank (#160) compression -0.84 points); Exchange Bank (#160) rate-exposure score 40/100, Exchange Bank (#160) fixed-rate trap 40/100; Exchange Bank (#160) risk type credit driven; Exchange Bank (#160) rate regime rates elevated, Exchange Bank (#160) snapshot October 20, 2026.

Exchange Bank (#160) stress score moved from 91.6 on June 22, 2026 to 90.8 on October 20, 2026; Exchange Bank (#160) ranged 90.8 to 91.6 over 117 snapshots.

Exchange Bank (#160) alerts: 4 counties; top Exchange Bank (#160) alert scores: Braselton County, GA 26 (low); Gray County, GA 26 (low); Greensboro County, GA 26 (low); Milledgeville County, GA 26 (low).