Headquartered in Milledgeville, Georgia, Exchange Bank is a state-chartered bank with $410.3M in total assets and $358.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1903.
Exchange Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 98th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (0/100, -0.70%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (81 → 66), mostly because the earnings component weakened by 72 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 78 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 77 |
| Q4 2025 | 80 |
| Q1 2026 | 63 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.08% |
| Q3 2024 | 12.23% |
| Q4 2024 | 12.26% |
| Q1 2025 | 12.37% |
| Q2 2025 | 12.38% |
| Q3 2025 | 12.50% |
| Q4 2025 | 12.33% |
| Q1 2026 | 11.02% |
| Q2 2026 | 11.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.22% |
| Q1 2026 | -3.28% |
| Q2 2026 | -0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $410.3M | 11.93% | 0.03% | -0.70% | 84.2% |
| Q1 2026 | 63 | $414.3M | 11.02% | 0.10% | -3.28% | 78.6% |
| Q4 2025 | 80 | $424.9M | 12.33% | 0.22% | 1.22% | 77.3% |
| Q3 2025 | 77 | $413.5M | 12.50% | 0.84% | 1.36% | 75.0% |
| Q2 2025 | 81 | $409.4M | 12.38% | 0.27% | 1.30% | 72.3% |
| Q1 2025 | 82 | $406.0M | 12.37% | 0.21% | 1.22% | 73.0% |
| Q4 2024 | 78 | $394.8M | 12.26% | 0.56% | 1.17% | 71.5% |
| Q3 2024 | 81 | $386.4M | 12.23% | 0.25% | 1.15% | 70.0% |
| Q2 2024 | 80 | $385.0M | 12.08% | 0.33% | 1.10% | 69.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Touchmark National BankBank Alpharetta, GA | 38 out of 100, Low | $416.9M | 13.1% | 5.07% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| The Citizens Bank of SwainsboroBank Swainsboro, GA | 82 out of 100, Strong | $420.5M | 12.3% | 0.36% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
Deposit insurance
Is my money safe at Exchange Bank?
Yes. Exchange Bank is an FDIC-insured institution (FDIC certificate #160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.7% of deposits ($74.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Exchange Bank lists 5 offices in 4 cities. Most locations:
- Milledgeville, GA (2)
- Braselton, GA (1)
- Gray, GA (1)
- Greensboro, GA (1)
Identity & history
Profile
- Legal name
- Exchange Bank
- Former names
- Exchange Bank of Milledgeville
- Type
- State-chartered bank
- FDIC certificate #
- 160
- RSSD ID
- 613839
- Primary regulator
- FDIC
- Holding company
- Exchange Bankshares Inc
- Established
- June 1, 1903
- Headquarters
- 250 W Hancock St, Milledgeville, GA 31061
- Website
- www.exch.bank
- Employees
- 69
Quick answers
Exchange Bank: common questions
Is Exchange Bank FDIC insured?
Yes. Exchange Bank is an FDIC-insured institution (FDIC certificate #160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Exchange Bank ever failed?
There is no failure record for FDIC certificate #160 in the FDIC failed bank list.
How many branches does Exchange Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milledgeville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |