This institution is no longer active

Operations ceased on August 1, 1998. CRA examination history below reflects the period it was active.

THE EXCHANGE BANK OF CLYDE, CLYDE, KANSAS

CLYDE, KS · Supervised by FDIC

Est. 1920FDIC #4,641RSSD: FDIC-4641

Part ofINTRA FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: July 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.12%

Is this bank safe?

THE EXCHANGE BANK OF CLYDE, CLYDE, KANSAS earned an Outstanding CRA rating (1997), is financially strong (ROA +1.12%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

413 Washington Street, CLYDE, KS

County

Cloud County

Established

January 1, 1920

Total Assets

$13M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1998Call Report / FDIC

Total Assets

$13M

Total Deposits

$12M

Net Loans

$9M

Net Income

$75K

ROA

1.12%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.54%

Risk-Based Capital

12.40%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.12%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.40%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1997	Outstanding	Small Bank
Apr 1994	Satisfactory	Not Reported
Sep 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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