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 The State Exchange Bank
The State Exchange Bank
| RSSD ID 354851 | CERTIFICATE 13551 | ABA NUMBER 103108757 |
| 1280 Main St |
Quarter Ended : |
2025-12-31 |
| Lamont, Oklahoma, 74643 |
Updated : |
2026-02-04 |
| www.stateexchangebank.com |
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| Institution Profile |
| Year Opened : |
1901 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
1 |
Number of Employees : |
14 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 95,067 |
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Total Interest Income | 6,092 |
| Total Liabilities | 85,255 |
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Total NonInterest Income | 276 |
| Total Bank Equity Capital | 9,812 |
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Total Interest Expense | 2,837 |
| Total Deposits | 84,069 |
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Total NonInterest Expense | 2,503 |
| Net Loans & Leases | 68,976 |
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Net Income | (1,193) |
| Loan Loss Allowance | 1,767 |
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Net Charge Offs | 2,915 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 71,353 |
| Total assets for the leverage ratio | 93,777 |
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Loans secured by real estate: | 48,201 |
| Tier 1 Leverage Ratio | 10.54 |
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Commercial and industrial loans | 9,089 |
| Off Balance Sheet Exposures (%) | 5.87 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 635 |
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:· The State Exchange Bank
