B
Exchange Bank & Trust
Rating Date
October 2025
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 7.90
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 8.30
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 5.31%
5-Year Asset Growth 6.64%
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 0.23%
Non-Performing Loans to Loans 0.04%
Balance Sheet Exchange Bank & Trust
Atchison, KS
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Total Assets 592.79M
Total Deposits 510.82M
Capital and Reserves Exchange Bank & Trust
Atchison, KS
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Capital 74.32M
Leverage Ratio 12.80
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio --
Liquidity Exchange Bank & Trust
Atchison, KS
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Hot Money Ratio 18.16%
Liquidity Ratio 24.17%
Profitability Exchange Bank & Trust
Atchison, KS
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5-Year Return on Average Assets 1.18%
Net Income 7.51M
Net Interest Spread 4.01%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 50.02%
Return on Assets 1.65%
Return on Equity 14.35%