TellerScore

Exchange Bank and Trust Company, Natchitoches, Louisiana (FDIC certificate #10528) is based in Natchitoches, Louisiana. Its Q2 2026 call report shows $212.5M in total assets and $191.3M in deposits and 4 offices.

Based on its Q2 2026 filing, Exchange Bank and Trust Company, Natchitoches, Louisiana scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 31st. Its strongest component is earnings (100/100; 2.35%), and its lowest is funding & liquidity (58/100; 54% loans-to-deposits, 53% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.42%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings100/100
Return on assets (annualized): 2.35%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 53.8% · 53.4% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.31%

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 2 points (77 → 75), mostly because the capital cushion component weakened by 7 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202475
Q4 202473
Q1 202571
Q2 202577
Q3 202581
Q4 202580
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%9.00%13.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.26%
Q3 202412.95%
Q4 202412.83%
Q1 202511.82%
Q2 202512.06%
Q3 202513.01%
Q4 202512.76%
Q1 202611.23%
Q2 202611.42%
Noncurrent loans
0.80%1.19%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.55%
Q3 20241.43%
Q4 20241.59%
Q1 20251.42%
Q2 20250.94%
Q3 20250.83%
Q4 20250.80%
Q1 20260.82%
Q2 20260.89%
Return on assets
2.17%2.37%2.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.37%
Q3 20242.43%
Q4 20242.58%
Q1 20252.17%
Q2 20252.24%
Q3 20252.29%
Q4 20252.32%
Q1 20262.30%
Q2 20262.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$212.5M11.42%0.89%2.35%53.8%
Q1 202674$221.0M11.23%0.82%2.30%50.7%
Q4 202580$188.5M12.76%0.80%2.32%58.2%
Q3 202581$183.6M13.01%0.83%2.29%59.2%
Q2 202577$197.7M12.06%0.94%2.24%54.5%
Q1 202571$204.4M11.82%1.42%2.17%50.5%
Q4 202473$176.1M12.83%1.59%2.58%57.2%
Q3 202475$179.5M12.95%1.43%2.43%56.0%
Q2 202472$186.0M12.26%1.55%2.37%51.8%

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 ratio11.42%
57th
Total risk-based capital0.00%
24th
Problem loans0.89%
31st
Net charge-offs0.00%
57th
Return on assets2.35%
94th
Net interest margin4.37%
74th
Efficiency ratio45.2%
91st
Loans to deposits53.8%
89th
Uninsured deposits53.4%
3rd
Loan-loss reserves1.03%
30th
Texas ratio4.3%
39th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Plaquemine Bank & Trust CompanyBank Plaquemine, LA77 out of 100, Strong$218.3M12.2%0.00%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs
Simmesport State BankBank Simmesport, LA54 out of 100, Below average$198.5M12.3%3.15%vs
Landmark BankBank Clinton, LA54 out of 100, Below average$229.8M11.5%1.91%vs
Bank of Sunset and Trust CompanyBank Sunset, LA76 out of 100, Strong$192.3M11.4%0.58%vs
Tensas State BankBank Newellton, LA59 out of 100, Moderate$185.5M13.9%3.43%vs

Deposit insurance

Is my money safe at Exchange Bank and Trust Company, Natchitoches, Louisiana?

Yes. Exchange Bank and Trust Company, Natchitoches, Louisiana is an FDIC-insured institution (FDIC certificate #10528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.4% of deposits ($102.1M) 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 11.42%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Exchange Bank and Trust Company, Natchitoches, Louisiana lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Exchange Bank and Trust Company, Natchitoches, Louisiana
Former names
Exchange Bank of Natchitoches
Type
State-chartered bank
FDIC certificate #
10528
RSSD ID
985451
Primary regulator
FDIC
Holding company
Exchange Bancshares Inc
Established
September 28, 1892
Headquarters
700 Front St, Natchitoches, LA 71457
Employees
30

Quick answers

Exchange Bank and Trust Company, Natchitoches, Louisiana: common questions

Is Exchange Bank and Trust Company, Natchitoches, Louisiana FDIC insured?

Yes. Exchange Bank and Trust Company, Natchitoches, Louisiana is an FDIC-insured institution (FDIC certificate #10528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Exchange Bank and Trust Company, Natchitoches, Louisiana's TellerScore?

75 out of 100 (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 and Trust Company, Natchitoches, Louisiana ever failed?

There is no failure record for FDIC certificate #10528 in the FDIC failed bank list.

How many branches does Exchange Bank and Trust Company, Natchitoches, Louisiana have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Natchitoches

InstitutionScoreAssetsCapitalProblem loansCompare
Engage Federal Credit UnionCredit union Natchitoches, LA86 out of 100, Very strong$28.5M21.6%0.95%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
Colfax Banking CompanyBank Colfax, LA76 out of 100, Strong$152.3M11.0%0.04%vs
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
First Federal Bank of LouisianaBank Lake Charles, LA70 out of 100, Strong$1.1B12.0%0.17%vs
LA Capitol Federal Credit UnionCredit union Baton Rouge, LA67 out of 100, Moderate$798.4M13.1%1.43%vs