Exchange Bank & Trust


Exchange Bank & Trust is an FDIC insured institution headquartered at 600 Commercial St, Atchison, KS 66002.
It was founded in 1856 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.

Deposit Rates - April 02, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4619
Date Established 1856
Assets $ 562.87 million
Loans $ 385.23 million
Deposits $ 490.18 million
Capital $ 65.11 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 39.31 million
Interest-bearing balances $ 32.01 million
Total securities $ 125.11 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 385.23 million
Loan loss allowance $ 5.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 7.22 million
     Total Assets $ 497.76 million

LIABILITIES
Total deposits $ 490.18 million
      Interest-bearing deposits $ 462.92 million
      Deposits held in domestic offices $ 490.18 million
      % insured (estimated)" 83.81%
Federal funds purchased and repurchase agreements $ 3.73 million
Trading liabilities N.A.
Other borrowed funds $ 0.01 million
Subordinated debt N.A.
All other liabilities $ 1.83 millionn
      Total Liabilities $ 497.76 million
      Shareholders’ Equity $ 65.11 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 20.62 million
Total Interest Expense $ 5.38 million
Net interest income $ 15.25 million
Provision for loan and lease losses $ 0.13 million
Total non interest income $ 1.98 million
Total non interest expense $ 9.45 million
Pre-tax Net Operating Income $ 3.69 million

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Branches

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Exchange Bank & Trust Locations