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.
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.
The State Exchange Bank's 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'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 metrics
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
Return on Assets (ROA)
2nd percentile nationally
-1.17%
Return on Equity (ROE)
-11.90%
Efficiency Ratio
70.89%
What the numbers say about The State Exchange Bank
The State Exchange Bank is an FDIC-insured institution (Certificate #13551) headquartered in Lamont, Oklahoma, established in 1901. It holds $95M in total assets - 3,778th of 4,313 FDIC-insured banks, $84M in customer deposits, and $69M in net loans. On safety, its Tier 1 capital ratio of 10.54% is above the 10% well-capitalized threshold, and its Texas Ratio of 33.74% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (36/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The State Exchange Bank ranks 134th of 172 banks based in Oklahoma -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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
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.
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% |
Frequently asked questions
What is The State Exchange Bank's health grade?▼
The State Exchange Bank receives a health grade of D (36/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is The State Exchange Bank?▼
The State Exchange Bank holds $95M in total assets and $84M in deposits, ranking 3,778th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lamont, Oklahoma.
Is my money safe at The State Exchange Bank?▼
Yes, deposits at The State Exchange Bank (Certificate #13551) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The State Exchange Bank's Tier 1 Capital Ratio?▼
The State Exchange Bank has a Tier 1 Capital Ratio of 10.54%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The State Exchange Bank?▼
The State Exchange Bank has a Texas Ratio of 33.74%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The State Exchange Bank?▼
The State Exchange Bank has an Efficiency Ratio of 70.89%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The State Exchange Bank's profile as a depositor or analyst.
- The State Exchange Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The State Exchange Bank against other Oklahoma banks before moving funds. Oklahoma 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.