B
Exchange Bank & Trust
Rating Date
March 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 8.00
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 7.70
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 6.66%
5-Year Asset Growth 4.50%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.25%
Non-Performing Loans to Loans 0.05%
Balance Sheet Exchange Bank & Trust
Atchison, KS
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Total Assets 631.27M
Total Deposits 543.48M
Capital and Reserves Exchange Bank & Trust
Atchison, KS
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Capital 75.94M
Leverage Ratio 12.64
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio --
Liquidity Exchange Bank & Trust
Atchison, KS
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Hot Money Ratio 17.22%
Liquidity Ratio 30.27%
Profitability Exchange Bank & Trust
Atchison, KS
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5-Year Return on Average Assets 1.18%
Net Income 9.47M
Net Interest Spread 4.05%
Operating Profit to Average Assets 2.00%
Overhead Efficiency Ratio 53.55%
Return on Assets 1.56%
Return on Equity 13.32%