Total Assets
$376M
Total balance-sheet footings
FDIC Cert #13020 · White Hall, West Virginia · Est. 1932
First Exchange Bank - FDIC Bank Health Profile
A community-scale look at First Exchange Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $376M
- Total assets
- C
- Health grade · Fair
- 0.46%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Exchange Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 12.81% Tier 1, 0.46% ROA, 78% efficiency ratio.
- #2,170
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 12.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Exchange Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Exchange Bank's composite health score
Tier 1 Capital Ratio (12.81%) 35/40
Return on Assets (ROA) (0.46%) 7/25
Texas Ratio (21.51%) 10/20
Efficiency Ratio (77.71%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$341M
Customer-funded liabilities
Net Loans
$288M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Exchange Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Exchange Bank's score of 56/100 falls in the highlighted band.
First Exchange Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Exchange Bank's $376M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.81%
Texas Ratio
21.51%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.46%
Return on Equity (ROE)
6.02%
Efficiency Ratio
77.71%
What the numbers say about First Exchange Bank
First Exchange Bank is an FDIC-insured institution (Certificate #13020) headquartered in White Hall, West Virginia, established in 1932. It holds $376M in total assets - 2,170th of 4,313 FDIC-insured banks, $341M in customer deposits, and $288M in net loans. Capital-wise, the Tier 1 ratio sits at 12.81%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 21.51%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Exchange Bank sits 16th of 42 banks headquartered in West Virginia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Exchange Bank reports a Texas Ratio of 21.51% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
21.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Exchange Bank (FDIC Cert #13020) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is First Exchange Bank's health grade?▼
First Exchange Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Exchange Bank?▼
First Exchange Bank holds $376M in total assets and $341M in deposits, ranking 2,170th of 4,313 FDIC-insured banks by asset size. It is headquartered in White Hall, West Virginia.
Is my money safe at First Exchange Bank?▼
Yes, deposits at First Exchange Bank (Certificate #13020) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Exchange Bank's Tier 1 Capital Ratio?▼
First Exchange Bank has a Tier 1 Capital Ratio of 12.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Exchange Bank?▼
First Exchange Bank has a Texas Ratio of 21.51%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Exchange Bank?▼
First Exchange Bank has an Efficiency Ratio of 77.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Exchange Bank's profile as a depositor or analyst.
- First Exchange Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Exchange Bank against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.