Exchange Bank is a bank based in Milledgeville, Georgia, established in 1903, with $414 million in total assets across 5 branches. By Trust Grade it ranks 121st of 124 banks we track in Georgia. Its capital ratio of 9.1% trails most similarly sized banks (32th percentile), versus a Georgia median of 10.5%. It posted a loss over the most recent period (-3.28% return on assets), a point to watch. No consumer complaints against Exchange Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Exchange Bank compares to Georgia peers
How we graded Exchange Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Unprofitable over the period (ROA -3.28%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Exchange Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 250 W Hancock St, Milledgeville, GA 31061
- 4306 Gray Hwy, Gray, GA 31032
- 6081 Lake Oconee Pkwy, Greensboro, GA 30642
- 2801 N Columbia St, Milledgeville, GA 31061
- 6700 Highway 53, Braselton, GA 30517
Are deposits at Exchange Bank insured?
Yes. Exchange Bank is an FDIC-insured bank (FDIC certificate #160). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Exchange Bank: frequently asked questions
Is Exchange Bank a good bank?
Exchange Bank earns a Bankzia Trust Grade of C (70/100, "Average"), based on a financial-strength score of 70/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Unprofitable over the period (ROA -3.28%).
Is Exchange Bank FDIC-insured?
Yes. Exchange Bank is a FDIC-insured bank (FDIC certificate #160). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Exchange Bank?
Exchange Bank holds $414 million in total assets, ranking 121st of 124 banks we track in Georgia. It operates 5 branches.
Does Exchange Bank have CFPB complaints?
No CFPB complaints against Exchange Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
