The State Exchange Bank

Overview / Commentary
1280 Main Street
Lamont, OK 74643

The State Exchange Bank is headquartered in Lamont and is the 130th largest bank in the state of Oklahoma. It is also the 4,005th largest bank in the nation. It was established in 1901 and as of June of 2022, it had grown to 13 employees at 1 location. The State Exchange Bank has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The State Exchange Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #13551
Year Established1901
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.94%
Return on Equity - YTD17.9%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$98.4MM$80.0MM
LoansQ2 2022vs Q2 2021$78.4MM$65.6MM
DepositsQ2 2022vs Q2 2021$85.0MM$67.1MM
Equity CapitalQ2 2022vs Q2 2021$9.8MM$9.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.2MM$1.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.7MM$2.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for The State Exchange Bank are currently being reviewed.


The State Exchange Bank Locations
The State Exchange Bank1280 Main StLamont, OK 74643

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