Bank · FDIC insured
Exchange Bank and Trust Company
A $428.7M bank headquartered in Perry, OK, with 3 branches in Oklahoma. Best rates: CDs 4.06% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs874.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Exchange Bank and Trust Company
Exchange Bank and Trust Company is a locally owned community bank located in Perry and Stillwater, Oklahoma.
- Headquarters
- 523 Delaware St, Perry, OK 73077
- FDIC certificate
- 13366 ↗
Branches
3 branches in Oklahoma
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Oklahoma
3 branches
Stillwater area · 2
- Stillwater Branch4301 W 6th Ave, Stillwater, OK 74074Directions
- Stillwater Main Street Branch310 N Main St, Stillwater, OK 74075Directions
Perry area · 1
- Exchange Bank and Trust CompanyMain office523 Delaware St, Perry, OK 73077Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.59% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.88% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio10.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.59%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.88%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Exchange Bank and Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.