🏦Bank Scorer

THE STATE EXCHANGE BANK

LAMONT, OK · Supervised by FDIC

Est. 1901FDIC #13,551RSSD: FDIC-13551
Part ofSTATE EXCHANGE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.03%

Institution Profile

FDIC BankFind

Address

1280 Main St, LAMONT, OK

County

Grant County

Established

October 1, 1901

Total Assets

$95M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$95M

Total Deposits

$83M

Net Loans

$63M

Net Income

$-7K

ROA

-0.03%

ROE

-0.29%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$85M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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