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First Exchange Bank
First Exchange Bank
RSSD ID 170332 | CERTIFICATE 13020 | ABA NUMBER 51501354
1 Heritage Way Quarter Ended : 2025-06-30
White Hall, West Virginia, 26554 Updated : 2025-07-29
www.firstexchangebank.com

Institution Profile
Year Opened : 1932 Institution Type : Commercial bank
Entity Type : State Federal Regulator : FDIC
Member Federal Reserve : No S-Corp : Yes
Fiduciary Powers : Yes Powers Exercised : No
Filing Type : 041
Specialization : Commercial Lending Specialization
Number of Offices : 7 Number of Employees : 69
Related Company Filings Regulator
 HERITAGE BANCSHARES INC FED

Financial Reports
RC - Balance Sheet Report
RI - Income Statement Report
:· All Financial Reports ...

Financial Fast Facts
Balance Sheet
(USD, in thousands)

Income Statement
(USD, in thousands, ytd)
Total Assets376,822
Total Interest Income9,723
Total Liabilities348,146
Total NonInterest Income998
Total Bank Equity Capital28,676
Total Interest Expense3,844
Total Deposits343,016
Total NonInterest Expense5,333
Net Loans & Leases292,157
Net Income713
Loan Loss Allowance4,623
Net Charge Offs223



Regulatory Capital
Quarterly Averages
(USD, in thousands)
Total capital36,978
Total loans297,814
Total assets for the leverage ratio376,905
Loans secured by real estate:262,445
Tier 1 Leverage Ratio8.94
Commercial and industrial loans20,622
Tier 1 Capital Ratio12.91
Loans to individuals - Credit Cards0
Total Capital Ratio14.17
Loans to individuals - Other14,174





 

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Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury