Exchange Bank & Trust is a bank based in Atchison, Kansas, established in 1856, with $627 million in total assets across 10 branches. By Trust Grade it ranks 61st of 186 banks we track in Kansas. Its capital ratio of 12.3% is stronger than 75% of similarly sized banks, versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.64% return on assets. No consumer complaints against Exchange Bank & Trust 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 & Trust compares to Kansas peers
How we graded Exchange Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.3% capital ratio)
- Strongly profitable (ROA 1.64%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Exchange Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 712 Kansas Avenue Limited Service-Dr, Atchison, KS 66002
- 701 Shawnee St, Leavenworth, KS 66048
- 600 Commercial St, Atchison, KS 66002
- 630 Delaware St, Leavenworth, KS 66048
- 216 W Riley St, Easton, KS 66020
- 399 Centre Dr, Lansing, KS 66043
- 2443 Nw Prairie View Rd, Platte City, MO 64079
- 201 Valley St, Rushville, MO 64484
- 121 S Main St, Troy, KS 66087
- 423 Main St, Effingham, KS 66023
Are deposits at Exchange Bank & Trust insured?
Yes. Exchange Bank & Trust is an FDIC-insured bank (FDIC certificate #4619). 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 & Trust: frequently asked questions
Is Exchange Bank & Trust a good bank?
Exchange Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 1.64%).
Is Exchange Bank & Trust FDIC-insured?
Yes. Exchange Bank & Trust is a FDIC-insured bank (FDIC certificate #4619). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Exchange Bank & Trust?
Exchange Bank & Trust holds $627 million in total assets, ranking 61st of 186 banks we track in Kansas. It operates 10 branches.
Does Exchange Bank & Trust have CFPB complaints?
No CFPB complaints against Exchange Bank & Trust 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.
