D
The State Exchange Bank
LamontOK
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The State Exchange Bank
Lamont, OK
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Rating D
Asset Quality Index 0.30
Capitalization Index 8.40
Liquidity Index 0.20
Profitability Index 0.80
Stability Index 6.30
Company Info The State Exchange Bank
Lamont, OK
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FDIC Number 13551
Phone Number (580) 388-4345
Website www.stateexchangebank.com
Asset Quality The State Exchange Bank
Lamont, OK
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1-Year Asset Growth -22.02%
5-Year Asset Growth 15.19%
5-Year Charge-Offs to Average Loans 0.24%
Charge-Offs to Average Loans 5.06%
Non-Performing Assets to Assets 6.99%
Non-Performing Loans to Capital 60.98%
Non-Performing Loans to Loans 10.84%
Balance Sheet The State Exchange Bank
Lamont, OK
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Total Assets 93.60M
Total Deposits 83.04M
Capital and Reserves The State Exchange Bank
Lamont, OK
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Capital 9.23M
Leverage Ratio 9.95
Loan Loss Reserves to Loans 2.04%
Risk-Based Capital Ratio --
Liquidity The State Exchange Bank
Lamont, OK
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Hot Money Ratio 25.63%
Liquidity Ratio 18.44%
Profitability The State Exchange Bank
Lamont, OK
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5-Year Return on Average Assets 1.65%
Net Income -1.76M
Net Interest Spread 2.91%
Operating Profit to Average Assets -2.24%
Overhead Efficiency Ratio 80.93%
Return on Assets -2.24%
Return on Equity -23.35%