Total Assets
$95M
Total balance-sheet footings
FDIC Cert #13551 · Lamont, Oklahoma · Est. 1901
The State Exchange Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $95M
- Total assets
- D
- Health grade · Weak
- -1.17%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
The State Exchange Bank earns a PlainBankData health grade of D (36/100), with well-capitalized at 10.54% Tier 1, -1.17% ROA, 71% efficiency ratio.
- #3,778
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 10.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 13551 · OK D · 36/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-D D (36/100)
- BOTTOM-DECILE #4261/4307
- PHOTO-FINISH Fidelity Co-operativ… · MA
- TIER1-WELL 10.5% Tier 1
- TEXAS-HEALTHY 33.7% Texas
- ROA-LOSS -1.17% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Oklahoma: Fidelity Co-operative Bank, MA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around The State Exchange Bank
Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.
What The State Exchange Bank's Call Report plate shows
The State Exchange Bank (FDIC Cert #13551) carries a PlainBankData health grade of D at 36/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,261 of 4,307. Tier 1 capital prints at 10.54%, clearing the 10% well-capitalized line. The Texas Ratio is 33.74%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.17%. Balance-sheet scale is $95M, 3,778th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Fidelity Co-operative Bank (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around The State Exchange Bank
8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)
The State Exchange Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The State Exchange Bank remains an active FDIC-insured reporter.
- FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
- THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
- THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.
How The State Exchange Bank's 36/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (-1.17%) 0/25
Texas Ratio (33.74%) 4/20
Efficiency Ratio (70.89%) 4/15
36 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$84M
Customer-funded liabilities
Net Loans
$69M
Outstanding loan book
Net Income
$-1,193K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The State Exchange Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State Exchange Bank's score of 36/100 falls in the highlighted band.
The State Exchange Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
36 1st percentile higher than 1% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
The State 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). The State Exchange Bank's $95M falls in the highlighted band.
Safety ratios for The State Exchange Bank
Tier 1 capital ratio
Well-capitalized 10%
10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.54%
Texas Ratio
33.74%
Equity Capital
$10M
Profitability metrics: The State Exchange Bank
Return on Assets (ROA)
2nd percentile nationally
-1.17%
Return on Equity (ROE)
-11.90%
Efficiency Ratio
70.89%
Income & expense: loss period at The State Exchange Bank
$6M
Interest Income
$276K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The State Exchange Bank reports a Texas Ratio of 33.74% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
33.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The State Exchange Bank
The State Exchange Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,193K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The State Exchange Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($95M here), outside Oklahoma so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The State Exchange Bank (FDIC Cert #13551) - 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.
The State Exchange Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |