C
Exchange Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.38
Return On
Assets
1.28%
Total
Assets
409.43M
Capital
44.39M
Total
Deposits
342.58M
Net
Income
2.61M
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Weiss Ratings Exchange Bank
Milledgeville, GA 		Click to
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Rating C
Asset Quality Index 6.70
Capitalization Index 6.80
Liquidity Index 0.20
Profitability Index 6.30
Stability Index 3.70
Company Info Exchange Bank
Milledgeville, GA 		Click to
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FDIC Number 160
Phone Number (478) 452-4531
Website www.exch.bank
Asset Quality Exchange Bank
Milledgeville, GA 		Click to
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1-Year Asset Growth 6.35%
5-Year Asset Growth 10.44%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.34%
Non-Performing Loans to Loans 0.31%
Balance Sheet Exchange Bank
Milledgeville, GA 		Click to
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Total Assets 409.43M
Total Deposits 342.58M
Capital and Reserves Exchange Bank
Milledgeville, GA 		Click to
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Capital 44.39M
Leverage Ratio 12.38
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio --
Liquidity Exchange Bank
Milledgeville, GA 		Click to
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Hot Money Ratio 19.97%
Liquidity Ratio 23.35%
Profitability Exchange Bank
Milledgeville, GA 		Click to
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5-Year Return on Average Assets 1.06%
Net Income 2.61M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 61.47%
Return on Assets 1.28%
Return on Equity 12.11%