The State Exchange Bank

Overview / Commentary
1280 Main Street
Lamont, OK 74643

The State Exchange Bank is headquartered in Lamont and is the 137th largest bank in the state of Oklahoma. It is also the 4,162nd largest bank in the nation. It was established in 1901 and as of March of 2022, it had grown to 13 employees at 1 location. The State Exchange Bank's savings rates are 3X the national average, and it 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 - YTD1.62%
Return on Equity - YTD14.28%
Annual Interest Income$928.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$84.6MM$78.1MM
LoansQ1 2022vs Q1 2021$70.8MM$64.5MM
DepositsQ1 2022vs Q1 2021$71.6MM$65.0MM
Equity CapitalQ1 2022vs Q1 2021$9.4MM$8.5MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.6MM$1.3MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$3.6MM$2.2MM
Real Estate OwnedQ1 2022vs Q1 2021$0$15.00K
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The State Exchange Bank Savings Account Rates

1.40%--SaveBetter High Yield Savings

The State Exchange Bank CD Rates

1.71%$1-60 Month SaveBetter High-Yield CD
1.55%$1-13 Month SaveBetter High-Yield CD
1.51%$1-36 Month SaveBetter High-Yield CD
1.36%$1-24 Month SaveBetter High-Yield CD
1.10%$1-7 Month SaveBetter High-Yield CD
0.90%$1-9 Month SaveBetter High-Yield CD
0.55%$1-4 Month SaveBetter High-Yield CD

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

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