The State Exchange Bank is a bank based in Lamont, Oklahoma, established in 1901, with $95 million in total assets across 1 branch. By Trust Grade it ranks 138th of 170 banks we track in Oklahoma. Its capital ratio of 10.4% trails most similarly sized banks (33th percentile), versus a Oklahoma median of 10.4%. It posted a loss over the most recent period (-0.03% return on assets), a point to watch. No consumer complaints against The State 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 The State Exchange Bank compares to Oklahoma peers
How we graded The State Exchange Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.4% capital ratio)
- Unprofitable over the period (ROA -0.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The State Exchange Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 1280 Main St, Lamont, OK 74643
Are deposits at The State Exchange Bank insured?
Yes. The State Exchange Bank is an FDIC-insured bank (FDIC certificate #13551). 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.
The State Exchange Bank: frequently asked questions
Is The State Exchange Bank a good bank?
The State Exchange Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Strongly capitalized (10.4% capital ratio); Unprofitable over the period (ROA -0.03%).
Is The State Exchange Bank FDIC-insured?
Yes. The State Exchange Bank is a FDIC-insured bank (FDIC certificate #13551). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The State Exchange Bank?
The State Exchange Bank holds $95 million in total assets, ranking 138th of 170 banks we track in Oklahoma. It operates 1 branch.
Does The State Exchange Bank have CFPB complaints?
No CFPB complaints against The State 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.
