First Exchange Bank

Overview / Commentary
1 Heritage Way
White Hall, WV 26554

First Exchange Bank is headquartered in WHITE HALL and is the 17th largest bank in the state of West Virginia. It is also the 2,193rd largest bank in the nation. It was established in 1932 and as of December of 2023, it had grown to 68 employees at 7 locations. First Exchange Bank has a C+ health rating.

Reviews (2)

Customer Service

Posted by: |

Great customer service.

A Wonderful, Personable Place To Bank!

Posted by: |

First Exchange Bank (Hundred office) has been our bank for the past 12+ years. While we have dealt with other banks in the past, we find First Exchange Bank meets all our needs, both personal and for our business. Most importantly to us, it is a local bank, and the employees treat us (and their other customers) like "one of the family." They have repeatedly bent over backwards to meet our needs, while always having a smile and a first name greeting of their customers every time I go to the bank.


Health Grade Components

FDIC Certificate #13020
Year Established1932
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD14.2%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$361.4MM$324.4MM
LoansQ4 2023vs Q4 2022$300.9MM$262.1MM
DepositsQ4 2023vs Q4 2022$293MM$292.3MM
Equity CapitalQ4 2023vs Q4 2022$28.4MM$26.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4MM$5.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.9MM$5.4MM
Real Estate OwnedQ4 2023vs Q4 2022$26K$85K

Rates for First Exchange Bank are currently being reviewed.


First Exchange Bank Locations
First Exchange Bank1 Heritage WayWhite Hall, WV 26554
Fairmont Branch216 Fairmont AvenueFairmont, WV 26554
3081 University Ave. Branch3051 University Ave.Morgantown, WV 26505
Fairview Branch309 Main StreetFairview, WV 26570
Hundred Branch3128 Hornet HwyHundred, WV 26575
West Main Street11 West Main StreetMannington, WV 26582
Pierpont Landing Branch1000 Mid Atlantic DriveMorgantown, WV 26508

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