Bank · FDIC insured
First Exchange Bank
A $391.1M bank headquartered in White Hall, WV, with 7 branches in West Virginia. Best rates: CDs 3.95% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs803.95%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Exchange Bank
Chartered by the State of West Virginia in 1932, First Exchange Bank emerged from the depression-era merger of three predecessor Mannington banks.
Operating as an independent bank, First Exchange Bank serves customers through seven branch locations across Mannington, Fairmont, Morgantown, Hundred, Fairview, and White Hall, West Virginia.
- Headquarters
- 1 Heritage Way, White Hall, WV 26554
- FDIC certificate
- 13020 ↗
Branches
7 branches in West Virginia
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West Virginia
7 branches
Fairmont area · 4
- First Exchange BankMain office1 Heritage Way, White Hall, WV 26554Directions
- Fairmont Branch216 Fairmont Ave, Fairmont, WV 26554Directions
- Fairview Branch309 Main Street, Fairview, WV 26570Directions
- West Main Street Branch11 W Main St, Mannington, WV 26582Directions
Morgantown area · 2
- 3051 University Ave. Branch3051 University Ave, Morgantown, WV 26505Directions
- Pierpont Landing Branch1000 Mid Atlantic Dr, Morgantown, WV 26508Directions
Hundred area · 1
- Hundred Branch3128 Hornet Hwy, Hundred, WV 26575Directions
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 | 8.96% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio8.96%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ 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 First Exchange Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.