The State Exchange Bank is a state-chartered bank headquartered in Lamont, Oklahoma, in business for about 125 years. At the end of Q2 2026 it reported $89.6M in total assets and $78.6M in deposits, with 1 office.
The State Exchange Bank has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 157th. Funding & liquidity contributes the most (77/100, 78% loans-to-deposits, 21% uninsured); loan quality contributes the least (0/100, 6.88%).
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 20 points (22 → 42), mostly because the earnings component improved by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 26 |
| Q4 2024 | 29 |
| Q1 2025 | 29 |
| Q2 2025 | 22 |
| Q3 2025 | 26 |
| Q4 2025 | 30 |
| Q1 2026 | 37 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.44% |
| Q3 2024 | 9.39% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.68% |
| Q2 2025 | 8.72% |
| Q3 2025 | 9.95% |
| Q4 2025 | 10.54% |
| Q1 2026 | 10.72% |
| Q2 2026 | 10.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 10.34% |
| Q4 2024 | 8.74% |
| Q1 2025 | 14.34% |
| Q2 2025 | 11.32% |
| Q3 2025 | 10.93% |
| Q4 2025 | 5.52% |
| Q1 2026 | 5.15% |
| Q2 2026 | 6.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | -0.16% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.07% |
| Q2 2025 | -3.56% |
| Q3 2025 | -2.25% |
| Q4 2025 | -1.17% |
| Q1 2026 | -0.03% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $89.6M | 10.65% | 6.88% | 0.87% | 77.5% |
| Q1 2026 | 37 | $94.5M | 10.72% | 5.15% | -0.03% | 75.4% |
| Q4 2025 | 30 | $95.1M | 10.54% | 5.52% | -1.17% | 82.0% |
| Q3 2025 | 26 | $93.6M | 9.95% | 10.93% | -2.25% | 88.4% |
| Q2 2025 | 22 | $95.3M | 8.72% | 11.32% | -3.56% | 86.9% |
| Q1 2025 | 29 | $110.2M | 9.68% | 14.34% | 0.07% | 93.4% |
| Q4 2024 | 29 | $116.5M | 9.53% | 8.74% | 0.10% | 91.6% |
| Q3 2024 | 26 | $120.0M | 9.39% | 10.34% | -0.16% | 91.9% |
| Q2 2024 | 67 | $117.8M | 10.44% | 1.18% | 1.78% | 100.4% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Community State BankBank Hennessey, OK | 41 out of 100, Below average | $89.7M | 7.5% | 2.85% | vs |
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| The First National Bank of HookerBank Hooker, OK | 65 out of 100, Moderate | $91.2M | 16.3% | 2.96% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |
| AllNations BankBank Calumet, OK | 37 out of 100, Low | $84.5M | 8.3% | 7.87% | vs |
Deposit insurance
Is my money safe at The State Exchange Bank?
Yes. The State Exchange Bank is an FDIC-insured institution (FDIC certificate #13551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.5% of deposits ($16.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.65%, 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%).
1 location
Branches
The State Exchange Bank lists 1 office in 1 city. Most locations:
- Lamont, OK (1)
Identity & history
Profile
- Legal name
- The State Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13551
- RSSD ID
- 354851
- Primary regulator
- FDIC
- Holding company
- State Exchange Bancshares Inc
- Established
- October 1, 1901
- Headquarters
- 1280 Main St, Lamont, OK 74643
- Website
- www.stateexchangebank.com
- Employees
- 15
Quick answers
The State Exchange Bank: common questions
Is The State Exchange Bank FDIC insured?
Yes. The State Exchange Bank is an FDIC-insured institution (FDIC certificate #13551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Exchange Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The State Exchange Bank ever failed?
There is no failure record for FDIC certificate #13551 in the FDIC failed bank list.
How many branches does The State Exchange Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lamont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK | 83 out of 100, Strong | $55.5M | 12.8% | 0.32% | vs |
| Grant County BankBank Medford, OK | 81 out of 100, Strong | $58.4M | 15.6% | 0.12% | vs |
| First Bank & Trust CompanyBank Perry, OK | 78 out of 100, Strong | $255.2M | 11.3% | 0.73% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |