First Exchange Bank is a bank based in White Hall, West Virginia, established in 1932, with $385 million in total assets across 7 branches. By Trust Grade it ranks 30th of 41 banks we track in West Virginia. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a West Virginia median of 10.1%. It was profitable over the most recent period, with a 0.89% return on assets. No consumer complaints against First 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 First Exchange Bank compares to West Virginia peers
How we graded First Exchange Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Profitable (ROA 0.89%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Exchange Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 216 Fairmont Ave, Fairmont, WV 26554
- 3128 Hornet Hwy, Hundred, WV 26575
- 309 Main Street, Fairview, WV 26570
- 3051 University Ave, Morgantown, WV 26505
- 11 W Main St, Mannington, WV 26582
- 1000 Mid Atlantic Dr, Morgantown, WV 26508
- 1 Heritage Way, White Hall, WV 26554
Are deposits at First Exchange Bank insured?
Yes. First Exchange Bank is an FDIC-insured bank (FDIC certificate #13020). 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.
First Exchange Bank: frequently asked questions
Is First Exchange Bank a good bank?
First Exchange Bank earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Profitable (ROA 0.89%).
Is First Exchange Bank FDIC-insured?
Yes. First Exchange Bank is a FDIC-insured bank (FDIC certificate #13020). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Exchange Bank?
First Exchange Bank holds $385 million in total assets, ranking 30th of 41 banks we track in West Virginia. It operates 7 branches.
Does First Exchange Bank have CFPB complaints?
No CFPB complaints against First 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.
