Bank · FDIC insured
Exchange Bank & Trust
A $626.8M bank headquartered in Atchison, KS, with 10 branches in 2 states. Best rates: savings 0.55% APY.
Exchange Bank & Trust Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#51 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Exchange Bank & Trust
Founded in 1856, Exchange Bank & Trust originally assisted pioneers settling in northeastern Kansas and those migrating farther west.
Today, the bank operates 10 locations across Kansas and Missouri, providing community support and non-profit funding across Atchison, Leavenworth, Doniphan, and Buchanan counties.
- Headquarters
- 600 Commercial St, Atchison, KS 66002
- FDIC certificate
- 4619 ↗
Branches
10 branches in 2 states
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Kansas
8 branches
Kansas City area · 4
- Easton Branch216 W Riley St, Easton, KS 66020Directions
- Lansing Branch - Towne Centre Branch399 Centre Dr, Lansing, KS 66043Directions
- 630 Delaware Branch630 Delaware St, Leavenworth, KS 66048Directions
- Drive-In Branch701 Shawnee St, Leavenworth, KS 66048Directions
Atchison area · 3
- Exchange Bank & TrustMain office600 Commercial St, Atchison, KS 66002Directions
- Exchange Kansas Avenue Motor Branch712 Kansas Avenue Limited Service-Dr, Atchison, KS 66002Directions
- Effingham Branch423 Main St, Effingham, KS 66023Directions
St. Joseph area · 1
- Troy State Branch121 S Main St, Troy, KS 66087Directions
Missouri
2 branches
Kansas City area · 1
- Platte City Branch2443 Nw Prairie View Rd, Platte City, MO 64079Directions
St. Joseph area · 1
- Rushville State Bank Branch201 Valley St, Rushville, MO 64484Directions
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 | 12.97% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.70% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $68 | $81 | — |
- CapitalLeverage ratio12.97%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.70%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$68Peers’ 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 & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.