The Exchange Bank is a state-chartered bank headquartered in Skiatook, Oklahoma, in business for about 96 years. At the end of Q2 2026 it reported $158.4M in total assets and $142.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Exchange Bank scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 34th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (65/100; 1.13%).
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 34 points (48 → 82), mostly because the loan quality component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 51 |
| Q4 2024 | 51 |
| Q1 2025 | 52 |
| Q2 2025 | 48 |
| Q3 2025 | 77 |
| Q4 2025 | 81 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.31% |
| Q3 2024 | 11.59% |
| Q4 2024 | 11.91% |
| Q1 2025 | 11.38% |
| Q2 2025 | 11.58% |
| Q3 2025 | 11.70% |
| Q4 2025 | 11.96% |
| Q1 2026 | 11.66% |
| Q2 2026 | 12.10% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.43% |
| Q3 2024 | 5.31% |
| Q4 2024 | 4.21% |
| Q1 2025 | 4.20% |
| Q2 2025 | 7.73% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.12% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.94% |
| Q4 2025 | 1.02% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $158.4M | 12.10% | 0.00% | 1.13% | 36.5% |
| Q1 2026 | 81 | $155.4M | 11.66% | 0.00% | 1.12% | 39.2% |
| Q4 2025 | 81 | $153.1M | 11.96% | 0.00% | 1.02% | 38.4% |
| Q3 2025 | 77 | $154.3M | 11.70% | 0.26% | 0.94% | 36.7% |
| Q2 2025 | 48 | $153.8M | 11.58% | 7.73% | 0.91% | 37.5% |
| Q1 2025 | 52 | $152.1M | 11.38% | 4.20% | 1.12% | 39.3% |
| Q4 2024 | 51 | $144.8M | 11.91% | 4.21% | 0.82% | 42.5% |
| Q3 2024 | 51 | $145.6M | 11.59% | 5.31% | 0.95% | 40.7% |
| Q2 2024 | 48 | $150.6M | 11.31% | 5.43% | 0.89% | 38.0% |
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 Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First State BankBank Boise City, OK | 58 out of 100, Moderate | $160.0M | 9.9% | 2.13% | vs |
| Carson Community BankBank Stilwell, OK | 71 out of 100, Strong | $166.7M | 12.6% | 1.43% | vs |
| Security Bank and Trust CompanyBank Miami, OK | 56 out of 100, Moderate | $166.9M | 8.0% | 1.41% | vs |
| The Peoples National Bank of ChecotahBank Checotah, OK | 91 out of 100, Very strong | $171.8M | 16.1% | 0.53% | vs |
| All Capital BankBank Locust Grove, OK | 73 out of 100, Strong | $176.1M | 9.5% | 0.30% | vs |
| The Farmers BankBank Carnegie, OK | 69 out of 100, Moderate | $139.6M | 11.6% | 0.32% | vs |
Deposit insurance
Is my money safe at The Exchange Bank?
Yes. The Exchange Bank is an FDIC-insured institution (FDIC certificate #10672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.0% of deposits ($42.7M) 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 12.10%, 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%).
3 locations
Branches
The Exchange Bank lists 3 offices in 3 cities. Most locations:
- Owasso, OK (1)
- Skiatook, OK (1)
- Sperry, OK (1)
Identity & history
Profile
- Legal name
- The Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10672
- RSSD ID
- 316859
- Primary regulator
- FDIC
- Holding company
- Skiatook Bancshares Inc
- Established
- June 1, 1930
- Headquarters
- 300 W Rogers Blvd, Skiatook, OK 74070
- Website
- www.exb-ok.com
- Employees
- 33
Quick answers
The Exchange Bank: common questions
Is The Exchange Bank FDIC insured?
Yes. The Exchange Bank is an FDIC-insured institution (FDIC certificate #10672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Exchange Bank's TellerScore?
82 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 The Exchange Bank ever failed?
There is no failure record for FDIC certificate #10672 in the FDIC failed bank list.
How many branches does The Exchange Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Skiatook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Vast Bank, National AssociationBank Tulsa, OK | 84 out of 100, Strong | $540.4M | 14.1% | 0.01% | vs |
| Oklahoma Central Credit UnionCredit union Tulsa, OK | 83 out of 100, Strong | $760.2M | 13.9% | 0.24% | vs |