🏦Bank Scorer

EXCHANGE BANK & TRUST

ATCHISON, KS · Supervised by FDIC

Est. 1856FDIC #4,619RSSD: FDIC-4619
Part ofEXCHANGE BANKSHARES CORP OF KS→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.64%

Institution Profile

FDIC BankFind

Address

600 Commercial St, ATCHISON, KS

County

Atchison County

Established

January 1, 1856

Total Assets

$627M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$627M

Total Deposits

$542M

Net Loans

$361M

Net Income

$3M

ROA

1.64%

ROE

13.46%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.50%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$517M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413672.79%12.50%
202312385.37%9.76%
202215584.52%14.19%
202115681.41%12.82%
202018887.23%10.11%
201914688.36%8.90%
201813190.08%8.40%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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