TellerScore

Exchange Bank and Trust Company (FDIC certificate #13366) is based in Perry, Oklahoma. Its Q2 2026 call report shows $428.7M in total assets and $385.9M in deposits and 3 offices.

Exchange Bank and Trust Company has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 108th. Earnings contributes the most (95/100, 1.88%); loan quality contributes the least (47/100, 1.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.75%
Loan quality47/100
Noncurrent loans ÷ total loans: 1.59%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 82.6% · 28.2% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.33%

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 5 points (60 → 65), mostly because the earnings component improved by 24 points.

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202455
Q4 202455
Q1 202557
Q2 202560
Q3 202562
Q4 202560
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.88%10.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 202410.25%
Q4 202410.30%
Q1 202510.41%
Q2 202510.41%
Q3 202510.58%
Q4 202510.57%
Q1 202610.69%
Q2 202610.75%
Noncurrent loans
1.29%1.54%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.29%
Q3 20241.77%
Q4 20241.79%
Q1 20251.66%
Q2 20251.58%
Q3 20251.44%
Q4 20251.67%
Q1 20261.60%
Q2 20261.59%
Return on assets
0.94%1.41%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20240.94%
Q4 20241.00%
Q1 20251.08%
Q2 20251.27%
Q3 20251.38%
Q4 20251.40%
Q1 20261.78%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$428.7M10.75%1.59%1.88%82.6%
Q1 202664$433.2M10.69%1.60%1.78%80.3%
Q4 202560$418.4M10.57%1.67%1.40%83.1%
Q3 202562$414.9M10.58%1.44%1.38%80.9%
Q2 202560$411.6M10.41%1.58%1.27%78.8%
Q1 202557$405.8M10.41%1.66%1.08%78.4%
Q4 202455$400.6M10.30%1.79%1.00%78.5%
Q3 202455$401.5M10.25%1.77%0.94%79.7%
Q2 202459$395.8M10.26%1.29%0.96%79.7%

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).

Capital ratio10.75%
46th
Total risk-based capital16.04%
73rd
Problem loans1.59%
17th
Net charge-offs0.07%
24th
Return on assets1.88%
83rd
Net interest margin4.24%
67th
Efficiency ratio57.5%
65th
Loans to deposits82.6%
44th
Uninsured deposits28.2%
34th
Loan-loss reserves1.31%
64th
Texas ratio12.3%
14th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens Bank of EdmondBank Edmond, OK57 out of 100, Moderate$432.4M8.5%0.63%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Watermark BankBank Oklahoma City, OK81 out of 100, Strong$450.5M13.3%0.00%vs
Anchor D BankBank Texhoma, OK80 out of 100, Strong$404.5M10.5%0.00%vs
The Security National Bank of EnidBank Enid, OK73 out of 100, Strong$400.4M8.7%0.14%vs

Deposit insurance

Is my money safe at Exchange Bank and Trust Company?

Yes. Exchange Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($108.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.04% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Exchange Bank and Trust Company lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Exchange Bank and Trust Company
Former names
The Exchange Bank of Perry, Okla.
Type
State-chartered bank (Fed member)
FDIC certificate #
13366
RSSD ID
456755
Primary regulator
FED
Holding company
Perry Bancshares Inc
Established
February 20, 1896
Headquarters
523 Delaware St, Perry, OK 73077
Employees
71

Quick answers

Exchange Bank and Trust Company: common questions

Is Exchange Bank and Trust Company FDIC insured?

Yes. Exchange Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Exchange Bank and Trust Company's TellerScore?

65 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #13366 in the FDIC failed bank list.

How many branches does Exchange Bank and Trust Company have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Perry

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
First Bank & Trust CompanyBank Perry, OK78 out of 100, Strong$255.2M11.3%0.73%vs
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs