Exchange Bank

BankMilledgeville, Georgia
www.exch.bank

Total Assets

$424.9M

Total Deposits

$344.5M

Branches

4

Established

1903

TFS Health Grade

$
C-

72.3 / 100

Average financial health

How we grade

Exchange Bank is a bank headquartered in Milledgeville, Georgia, established in 1903. With $424.9M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.33%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.22%

Profitability

Return on Assets (ROA)
1.22%(1%)
Return on Equity (ROE)
11.31%(10%)
Net Interest Margin
4.22%
Efficiency Ratio
60.88%(60%)

Lending & Liquidity

Total Loans
$270.8M
Loan-to-Deposit Ratio
77.30%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+7.62%
Deposit Growth (YoY)
+5.43%
Net Income
$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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