Exchange Bank & Trust (FDIC certificate #4619) is based in Atchison, Kansas. Its Q2 2026 call report shows $626.8M in total assets and $539.7M in deposits and 10 offices across 2 states.
Based on its Q2 2026 filing, Exchange Bank & Trust scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 19th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (80/100; 12.97%).
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 rose 3 points (85 → 88), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 84 |
| Q4 2024 | 82 |
| Q1 2025 | 82 |
| Q2 2025 | 85 |
| Q3 2025 | 88 |
| Q4 2025 | 87 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.93% |
| Q3 2024 | 12.26% |
| Q4 2024 | 12.14% |
| Q1 2025 | 11.97% |
| Q2 2025 | 12.12% |
| Q3 2025 | 12.80% |
| Q4 2025 | 12.64% |
| Q1 2026 | 12.69% |
| Q2 2026 | 12.97% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.33% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $626.8M | 12.97% | 0.23% | 1.70% | 66.8% |
| Q1 2026 | 88 | $627.4M | 12.69% | 0.07% | 1.64% | 66.5% |
| Q4 2025 | 87 | $631.3M | 12.64% | 0.06% | 1.57% | 68.6% |
| Q3 2025 | 88 | $592.8M | 12.80% | 0.05% | 1.68% | 74.5% |
| Q2 2025 | 85 | $595.4M | 12.12% | 0.06% | 1.63% | 74.6% |
| Q1 2025 | 82 | $601.4M | 11.97% | 0.21% | 1.52% | 72.1% |
| Q4 2024 | 82 | $591.8M | 12.14% | 0.06% | 1.33% | 74.5% |
| Q3 2024 | 84 | $562.9M | 12.26% | 0.07% | 1.40% | 78.6% |
| Q2 2024 | 81 | $553.9M | 11.93% | 0.08% | 1.31% | 78.4% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Outdoor BankBank Manhattan, KS | 31 out of 100, Low | $648.8M | 9.2% | 3.83% | vs |
| Farmers & Merchants Bank of ColbyBank Colby, KS | 73 out of 100, Strong | $650.8M | 11.2% | 0.61% | vs |
| Mid-America BankBank Baldwin City, KS | 76 out of 100, Strong | $573.3M | 10.2% | 0.13% | vs |
Deposit insurance
Is my money safe at Exchange Bank & Trust?
Yes. Exchange Bank & Trust is an FDIC-insured institution (FDIC certificate #4619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.5% of deposits ($99.9M) 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 12.97%, 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%).
10 locations
Branches
Exchange Bank & Trust lists 8 offices in 8 cities across 2 states. Most locations:
- Atchison, KS (1)
- Easton, KS (1)
- Effingham, KS (1)
- Lansing, KS (1)
- Leavenworth, KS (1)
- Platte City, MO (1)
- Rushville, MO (1)
- Troy, KS (1)
HMDA 2025
Mortgage lending
In 2025, Exchange Bank & Trust reported 142 home-loan applications under HMDA (LEI 2549006U8SXATH10WI14): 115 originated ($29,915,000 total), 15 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Exchange Bank & Trust
- Former names
- The Exchange National Bank and Trust Company of Atchison; Exchange National Bank & Trust Co.; The Exchange National Bank of Atchison
- Type
- State-chartered bank
- FDIC certificate #
- 4619
- RSSD ID
- 144052
- Primary regulator
- FDIC
- Holding company
- Exchange Bankshares Corp of Ks
- Established
- January 1, 1856
- Headquarters
- 600 Commercial St, Atchison, KS 66002
- Website
- www.ebt.bank
- Employees
- 85
Quick answers
Exchange Bank & Trust: common questions
Is Exchange Bank & Trust FDIC insured?
Yes. Exchange Bank & Trust is an FDIC-insured institution (FDIC certificate #4619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange Bank & Trust's TellerScore?
88 out of 100 (Very strong), 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 & Trust ever failed?
There is no failure record for FDIC certificate #4619 in the FDIC failed bank list.
How many branches does Exchange Bank & Trust have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Atchison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| District One Highway Credit UnionCredit union Saint Joseph, MO | 94 out of 100, Very strong | $30.5M | 18.8% | 0.00% | vs |
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| U S P L K Employees Federal Credit UnionCredit union Leavenworth, KS | 87 out of 100, Very strong | $34.0M | 13.9% | 0.15% | vs |
| Goetz Credit UnionCredit union St Joseph, MO | 85 out of 100, Very strong | $89.6M | 15.7% | 0.50% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |