D
First Exchange Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Exchange Bank
White Hall, WV
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Rating D
Asset Quality Index 2.80
Capitalization Index 6.90
Liquidity Index 0.80
Profitability Index 0.80
Stability Index 4.30
Company Info First Exchange Bank
White Hall, WV
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FDIC Number 13020
Phone Number (304) 534-7200
Website www.firstexchangebank.com
Asset Quality First Exchange Bank
White Hall, WV
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1-Year Asset Growth -2.74%
5-Year Asset Growth 5.35%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 2.16%
Non-Performing Loans to Capital 22.14%
Non-Performing Loans to Loans 2.74%
Balance Sheet First Exchange Bank
White Hall, WV
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Total Assets 376.82M
Total Deposits 343.02M
Capital and Reserves First Exchange Bank
White Hall, WV
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Capital 28.68M
Leverage Ratio 8.94
Loan Loss Reserves to Loans 1.56%
Risk-Based Capital Ratio 14.17
Liquidity First Exchange Bank
White Hall, WV
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Hot Money Ratio 20.33%
Liquidity Ratio 10.60%
Profitability First Exchange Bank
White Hall, WV
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5-Year Return on Average Assets 0.97%
Net Income 713.00K
Net Interest Spread 3.24%
Operating Profit to Average Assets 0.38%
Overhead Efficiency Ratio 77.55%
Return on Assets 0.38%
Return on Equity 4.94%