What is First Exchange Bank's financial health grade?

First Exchange Bank has a TFS Financial Health Grade of D- (score: 62.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Exchange Bank have?

First Exchange Bank has 7 branch locations across the United States.

Is First Exchange Bank FDIC insured?

Yes, First Exchange Bank is FDIC insured (Certificate #13020).

What are the total assets of First Exchange Bank?

First Exchange Bank has total assets of $376.5M as reported in its most recent FDIC filing.

First Exchange Bank

BankWhite Hall, West Virginia

www.firstexchangebank.com

Total Assets

$376.5M

Total Deposits

$341.1M

Branches

Established

1932

TFS Health Grade

D-

62.8 / 100

Below average financial health

How we grade

First Exchange Bank is a bank headquartered in White Hall, West Virginia, established in 1932. With $376.5M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D- (62.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.04%(8%)

Total Capital Ratio

14.06%(10%)

Non-Performing Loan Ratio

2.50%

Profitability

Return on Assets (ROA)

0.46%(1%)

Return on Equity (ROE)

6.02%(10%)

Net Interest Margin

3.47%

Efficiency Ratio

77.71%(60%)

Lending & Liquidity

Total Loans

$292.1M

Loan-to-Deposit Ratio

84.54%

Net Charge-Off Ratio

0.56%

Growth

Asset Growth (YoY)

-1.34%

Deposit Growth (YoY)

+0.08%

Net Income

$1.8M

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.

Branch	Address	City	State	Type
First Exchange BankHQ	1 Heritage Way	White Hall	WV	11
First Exchange Bank	216 Fairmont Ave	Fairmont	WV	11
First Exchange Bank	309 Main Street	Fairview	WV	11
First Exchange Bank	3128 Hornet Hwy	Hundred	WV	11
First Exchange Bank	11 W Main St	Mannington	WV	11
First Exchange Bank	3051 University Ave	Morgantown	WV	11
First Exchange Bank	1000 Mid Atlantic Dr	Morgantown	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.