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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Skiatook, OK · FDIC certificate #10672
EXCHANGE BANK is an FDIC-insured institution based in Skiatook, OK (FDIC certificate #10672). In its Q3 2026 Call Report it reported total assets of $149M, total deposits of $134M and net loans of $51M. Its primary federal regulator is FDIC.
Plain-language readout
EXCHANGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $158M in Q2 2026 and were lowest at $149M in Q3 2026.
Total deposits were highest at $142M in Q2 2026 and lowest at $134M in Q3 2026.
Over the whole period total assets fell 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $149M | $134M | $51M | 1.08% | 10.98% | 3.87% |
| Q2 2026 | $158M | $142M | $52M | 1.13% | 11.44% | 3.84% |
| Q1 2026 | $155M | $140M | $55M | 1.12% | 11.27% | 3.89% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.5M | $11.5M | +$2.9M | +25.6% |
| Federal funds sold | $2.8M | $2.1M | +$677K | +32.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $82.4M | $79.5M | +$2.9M | +3.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $51.9M | $54.9M | -$3.0M | -5.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.8M | $1.9M | -$34K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.0M | $5.6M | -$558K | -10.0% |
| Total assets | $158.4M | $155.4M | +$2.9M | +1.9% |
| Liabilities | ||||
| Total deposits | $142.3M | $139.9M | +$2.4M | +1.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $387K | $393K | -$6K | -1.5% |
| Total liabilities | $142.7M | $140.3M | +$2.4M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $442K | $442K | $0K | 0.0% |
| Surplus | $2.2M | $2.2M | $0K | 0.0% |
| Retained earnings | $16.8M | $16.3M | +$451K | +2.8% |
| Accumulated other comprehensive income | -$3.8M | -$3.9M | +$103K | +2.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.7M | $15.1M | +$554K | +3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $16.6M | $16.0M | +$554K | +3.5% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.10% | 11.66% | +0.45 pts | See points |
| Construction and land loans to total capital | 20.36% | 23.83% | -3.46 pts | See points |
| Commercial real estate to total capital | 87.96% | 96.26% | -8.31 pts | See points |
| Dividend payout, year to date | 55.90% | 114.39% | -58.49 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -26.83% | -28.07% | +1.24 pts | See points |
| Liquidity | ||||
| Core deposits | $123.4M | $117.7M | +$5.6M | +4.8% |
| Non-core funding | $19.0M | $22.2M | -$3.2M | -14.5% |
| Loans to core deposits | 42.82% | 47.39% | -4.56 pts | See points |
| Loans to deposits | 37.12% | 39.87% | -2.75 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 36.30% | 37.19% | -0.88 pts | See points |
| Loans pledged, share of loans | 23.93% | 3.75% | +20.17 pts | See points |
| Volatile liabilities | $19.0M | $22.2M | -$3.2M | -14.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $507K | +$494K | +97.4% |
| Earnings before provision, single quarter | $494K | $507K | -$13K | -2.6% |
| Provision for credit losses, year to date | $30K | $30K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.83% | 6.90% | -0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 2.93% | 2.99% | -0.06 pts | See points |
| Total interest income to average assets | 4.55% | 4.56% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.32% | 0.32% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.39% | 0.42% | -0.03 pts | See points |
| Cost of time deposits | 3.24% | 3.25% | -0.02 pts | See points |
| Total interest expense to average assets | 1.08% | 1.10% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $149M | $134M | $51M | 1.08% | 10.98% | 3.87% |
| 2026-06-30 | $158M | $142M | $52M | 1.13% | 11.44% | 3.84% |
| 2026-03-31 | $155M | $140M | $55M | 1.12% | 11.27% | 3.89% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $140.1M | 0.10% | 123 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.