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 6.70
Liquidity Index 0.20
Profitability Index 1.70
Stability Index 5.50
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 -19.09%
5-Year Asset Growth 15.19%
5-Year Charge-Offs to Average Loans 0.24%
Charge-Offs to Average Loans 7.40%
Non-Performing Assets to Assets 8.01%
Non-Performing Loans to Capital 66.30%
Non-Performing Loans to Loans 12.92%
Balance Sheet The State Exchange Bank
Lamont, OK
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Total Assets 95.29M
Total Deposits 84.96M
Capital and Reserves The State Exchange Bank
Lamont, OK
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Capital 8.99M
Leverage Ratio 8.72
Loan Loss Reserves to Loans 1.91%
Risk-Based Capital Ratio --
Liquidity The State Exchange Bank
Lamont, OK
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Hot Money Ratio 27.91%
Liquidity Ratio 19.29%
Profitability The State Exchange Bank
Lamont, OK
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5-Year Return on Average Assets 1.65%
Net Income -1.91M
Net Interest Spread 2.75%
Operating Profit to Average Assets -3.48%
Overhead Efficiency Ratio 81.25%
Return on Assets -3.48%
Return on Equity -36.43%