Exchange Bank&Trust (FDIC #4619): Bank Stress & Real-Estate Credit Exposure
Exchange Bank&Trust (FDIC Cert #4619): bank stress 47/100, moderate, STABLE over 7 days; parent EXCHANGE BANKSHARES CORP OF KS.
Exchange Bank&Trust (#4619) lends in 5 counties across 2 states; Exchange Bank&Trust (#4619) reaches 61 ZIP codes: Kansas 3 counties, 30 ZIPs; Missouri 2 counties, 31 ZIPs.
Exchange Bank&Trust (#4619) largest markets: Platte County, MO (20 branches, 20 ZIPs) (#4619), Buchanan County, MO (15 branches, 15 ZIPs) (#4619), Leavenworth County, KS (52 branches, 13 ZIPs) (#4619), Atchison County, KS (30 branches, 10 ZIPs) (#4619), Doniphan County, KS (10 branches, 10 ZIPs) (#4619).
Exchange Bank&Trust (#4619) reports $626.8 million in total assets; Exchange Bank&Trust (#4619) equity $79.7 million (12.7% of Exchange Bank&Trust (#4619) assets); Exchange Bank&Trust (#4619) domestic deposits $539.7 million; Exchange Bank&Trust (#4619) net income $5.3 million; Exchange Bank&Trust (#4619) return on assets 1.70%; Exchange Bank&Trust (#4619) return on equity 13.75%; Exchange Bank&Trust (#4619) net interest income $12.4 million; Exchange Bank&Trust (#4619) call report June 30, 2026.
Exchange Bank&Trust (#4619) noncurrent real-estate loans: none reported; Exchange Bank&Trust (#4619) net charge-offs on real estate 0.32%.
Exchange Bank&Trust (#4619) net interest margin 4.06% against an eight-quarter Exchange Bank&Trust (#4619) average of 3.94% (Exchange Bank&Trust (#4619) compression -0.12 points); Exchange Bank&Trust (#4619) rate-exposure score 40/100, Exchange Bank&Trust (#4619) fixed-rate trap 40/100; Exchange Bank&Trust (#4619) risk type credit driven; Exchange Bank&Trust (#4619) rate regime rates elevated, Exchange Bank&Trust (#4619) snapshot October 19, 2026.
Exchange Bank&Trust (#4619) stress score moved from 48.4 on June 22, 2026 to 47.1 on October 19, 2026; Exchange Bank&Trust (#4619) ranged 47.1 to 48.4 over 116 snapshots.
Exchange Bank&Trust (#4619) alerts: 5 counties; top Exchange Bank&Trust (#4619) alert scores: Leavenworth County, KS 22 (low); Effingham County, KS 18 (low); Platte City County, KS 18 (low); Rushville County, KS 18 (low); Troy County, KS 18 (low).