B
Exchange Bank & Trust
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Exchange Bank & Trust
Atchison, KS
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Rating B
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 8.20
Stability Index 6.30
Company Info Exchange Bank & Trust
Atchison, KS
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FDIC Number 4619
Phone Number (913) 367-6000
Website www.ebt.bank
Asset Quality Exchange Bank & Trust
Atchison, KS
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1-Year Asset Growth 5.27%
5-Year Asset Growth 4.50%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.96%
Non-Performing Loans to Loans 0.04%
Balance Sheet Exchange Bank & Trust
Atchison, KS
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Total Assets 626.80M
Total Deposits 539.72M
Capital and Reserves Exchange Bank & Trust
Atchison, KS
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Capital 79.69M
Leverage Ratio 12.97
Loan Loss Reserves to Loans 1.44%
Risk-Based Capital Ratio --
Liquidity Exchange Bank & Trust
Atchison, KS
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Hot Money Ratio 18.06%
Liquidity Ratio 31.39%
Profitability Exchange Bank & Trust
Atchison, KS
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5-Year Return on Average Assets 1.23%
Net Income 5.33M
Net Interest Spread 4.07%
Operating Profit to Average Assets 2.18%
Overhead Efficiency Ratio 49.46%
Return on Assets 1.68%
Return on Equity 13.77%