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Data through Q3 2026 · 4,200 institutions
Regulatory profile
White Hall, WV · FDIC certificate #13020
FIRST EXCHANGE BANK is an FDIC-insured institution based in White Hall, WV (FDIC certificate #13020). In its Q3 2026 Call Report it reported total assets of $385M, total deposits of $352M and net loans of $294M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST EXCHANGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $391M in Q2 2026 and were lowest at $385M in Q3 2026.
Total deposits were highest at $357M in Q2 2026 and lowest at $351M in Q1 2026.
Over the whole period total assets fell 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $385M | $352M | $294M | 0.90% | 11.41% | 3.91% |
| Q2 2026 | $391M | $357M | $290M | 0.93% | 11.74% | 3.79% |
| Q1 2026 | $385M | $351M | $288M | 0.89% | 11.22% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $50.1M | $49.9M | +$170K | +0.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $29.9M | $26.6M | +$3.2M | +12.1% |
| 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) | $290.3M | $287.7M | +$2.6M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.6M | $11.7M | -$136K | -1.2% |
| 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 | $9.2M | $9.1M | +$65K | +0.7% |
| Total assets | $391.1M | $385.2M | +$5.9M | +1.5% |
| Liabilities | ||||
| Total deposits | $356.5M | $350.9M | +$5.6M | +1.6% |
| 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 | $1.4M | $1.8M | -$325K | -18.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.0M | $2.0M | +$9K | +0.4% |
| Total liabilities | $360.0M | $354.7M | +$5.3M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $9.4M | $9.4M | $0K | 0.0% |
| Retained earnings | $24.5M | $24.0M | +$504K | +2.1% |
| Accumulated other comprehensive income | -$4.2M | -$4.3M | +$90K | +2.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.1M | $30.5M | +$594K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.2M | $7.5M | -$1.4M | -18.1% |
| Adjusted nonperforming assets | $6.2M | $7.5M | -$1.4M | -18.1% |
| Tangible equity plus allowance | $35.4M | $34.3M | +$1.2M | +3.4% |
| Texas ratio (gross) | 17.43% | 21.99% | -4.56 pts | See points |
| Texas ratio (adjusted) | 17.43% | 21.99% | -4.56 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 24.03% | 42.57% | -18.54 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.76% | 12.63% | +0.14 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.76% | 12.63% | +0.14 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.02% | 13.88% | +0.14 pts | See points |
| Tier 1 leverage (approximate) | 8.96% | 9.05% | -0.09 pts | See points |
| Construction and land loans to total capital | 15.96% | 14.96% | +1.00 pts | See points |
| Commercial real estate to total capital | 137.07% | 126.74% | +10.33 pts | See points |
| Dividend payout, year to date | 41.23% | 35.25% | +5.97 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.96% | -12.40% | +0.44 pts | See points |
| Liquidity | ||||
| Core deposits | $312.0M | $306.6M | +$5.5M | +1.8% |
| Non-core funding | $45.9M | $46.1M | -$181K | -0.4% |
| Loans to core deposits | 94.44% | 95.11% | -0.67 pts | See points |
| Loans to deposits | 82.66% | 83.09% | -0.43 pts | See points |
| Brokered deposits share of deposits | 5.11% | 5.19% | -0.08 pts | See points |
| Pledged securities share of securities | 58.41% | 67.72% | -9.32 pts | See points |
| Loans pledged, share of loans | 93.82% | 93.80% | +0.02 pts | See points |
| Volatile liabilities | $51.1M | $51.8M | -$675K | -1.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.2M | +106.1% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$70K | +6.1% |
| Provision for credit losses, year to date | $567K | $295K | +$272K | +92.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.06% | 5.95% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.52% | 3.43% | +0.09 pts | See points |
| Total interest income to average assets | 5.15% | 5.11% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.79% | 0.81% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.26% | 0.22% | +0.04 pts | See points |
| Cost of time deposits | 3.76% | 3.76% | +0.00 pts | See points |
| Total interest expense to average assets | 1.60% | 1.65% | -0.05 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 | $385M | $352M | $294M | 0.90% | 11.41% | 3.91% |
| 2026-06-30 | $391M | $357M | $290M | 0.93% | 11.74% | 3.79% |
| 2026-03-31 | $385M | $351M | $288M | 0.89% | 11.22% | 3.73% |
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 |
|---|---|---|---|---|
| WV | $343M | 0.73% | 25 | 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.