Exchange Bank & Trust

600 Commercial Street
Atchison, KS 66002

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4619
Date Established 1857
Assets $0.40 billion
Loans $0.28 billion
Deposits $0.35 billion
Capital $0.04 billion

Exchange Bank & Trust is an FDIC insured institution located in Atchison, KS. It was founded in 1857 and has approximately $0.4 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of Exchange Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Exchange Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Farm Loans.

Compared to other banks in Kansas, Exchange Bank & Trust has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.75
Multifamily
Mortgages
0.67
Credit Card Loans 0.00
Consumer Auto Loans 17.96
Small Business Loans 0.00
Construction and Development Loans 2.45
Commercial Real Estate 6.75
Commercial and Industrial Loans 9.12
Farm Loans 13.81

Deposit Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.55% $1,000 - Learn MoreShow Less
18 Mo CD
0.50% $1,000 - Learn MoreShow Less
24 Mo CD
0.45% $1,000 - Learn MoreShow Less
30 Mo CD
0.45% $1,000 - Learn MoreShow Less
36 Mo CD
1.15% $1,000 - Learn MoreShow Less
48 Mo CD
0.95% $1,000 - Learn MoreShow Less
60 Mo CD
1.15% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.55% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 - Learn MoreShow Less

Loan Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Exchange Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Exchange Bank & Trust
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Branches

Exchange Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Exchange Bank & Trust Locations


Financial Details

Exchange Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Exchange Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Exchange Bank & Trust U.S. Bank Average
1.5% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Exchange Bank & Trust had $674,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $40,942,000 in equity and $3,867,000 in loans loss reserves. That gives it a Texas Ratio of 1.5%.

Return on Equity
Exchange Bank & Trust U.S. Bank Average
13.41% 9.95%

Exchange Bank & Trust has a Return on Equity of 13.41% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Exchange Bank & Trust U.S. Bank Average
10.22% 12.19%

Exchange Bank & Trust has a Capitalization of 10.22% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Exchange Bank & Trust Balance Sheet Analysis

As of September 30, 2018, Exchange Bank & Trust had assets of $400,509,000, loans of $277,995,000, and deposits of $346,604,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.28 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.36 billion
LIABILITIES
Total deposits $0.35 billion
      Interest-bearing deposits $0.32 billion
      Deposits held in domestic offices $0.35 billion
      % insured (estimated) 85.09%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.36 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Exchange Bank & Trust

Branches and Savings

Is Exchange Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #4619.

Why does Exchange Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Exchange Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Exchange Bank & Trust a commercial bank?

Yes

Where are Exchange Bank & Trust locations?

See branch locations nearby.

Is Exchange Bank & Trust open on Saturdays?

Is Exchange Bank & Trust open on Sundays?

What time does Exchange Bank & Trust open?

What time does Exchange Bank & Trust close?

Are Exchange Bank & Trust ATMs Open 24/7?

Do Exchange Bank & Trust ATMs accept cash deposits?

Can Exchange Bank & Trust customers use other ATMs?

Do Exchange Bank & Trust branches have notaries?

Will Exchange Bank & Trust notarize my document?

What address for Exchange Bank & Trust should I put for incoming ACH transfers?

Will the Exchange Bank & Trust branch print checks?

Do Exchange Bank & Trust checks expire?

Does Exchange Bank & Trust require US citizenship to open account?

Can Exchange Bank & Trust close my account?

Does Exchange Bank & Trust Report to credit bureaus?

Does Exchange Bank & Trust Use Equifax?

What is Exchange Bank & Trust's ACH Routing Number?

What is Exchange Bank & Trust's SWIFT code?

Products

Does Exchange Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Exchange Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Exchange Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Exchange Bank & Trust offer student loans?

Will Exchange Bank & Trust cash a check?

Will Exchange Bank & Trust redeem a savings bond?

Does Exchange Bank & Trust cash savings bonds?

Will Exchange Bank & Trust cash money orders?

Can Exchange Bank & Trust issue a money order?

Does Exchange Bank & Trust do currency exchange?

Background on The Bank

Who owns Exchange Bank & Trust?

How long has Exchange Bank & Trust been around?

Can Exchange Bank & Trust transfer to other banks?

Does Exchange Bank & Trust have quick pay?

Does Exchange Bank & Trust accept rolled coins?

Will Exchange Bank & Trust accept loose change?

Where is Exchange Bank & Trust headquarters?

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*All images, logos and public notes on this page appear courtesy of Exchange Bank & Trust and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.