$292M
−2.3%y/y
Percentile by value36th percentileby value
FDIC
LNLSGRFE
First Exchange Bank
White Hall, West VirginiaFDIC Cert #13020
STATEEstablished 19327 branches
Holding company: HERITAGE BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $36.1M |
| Investor CRE | $24.3M |
| Multifamily | $18.4M |
| Construction | $5.72M |
| 1–4 family | $174M |
| C&I | $20.2M |
| Agriculture | $403K |
| Other | $12.6M |
Loan book
Reported balances and balance-sheet intensity.
$288M
−2.2%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET−2.20%
+25.6%y/y
Percentile by value12th percentileby value
FDIC
LNLSNET82.0%
−2.9%y/y
Percentile by value56th percentileby value
FDIC
LNLSNET + DEP74.7%
−2.6%y/y
Percentile by value69th percentileby value
FDIC
LNLSNET + ASSET92.58%
+1.1%y/y
Percentile by value79th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
127%
−13.0%y/y
Percentile by value36th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC15%
+21.1%y/y
Percentile by value20th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,883points
+8.2%y/y
Peer standing5th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.38%
−3.9%y/y
Percentile by value49th percentileby value
FDIC
LNRENROW + LNLSGR8.34%
−23.1%y/y
Percentile by value28th percentileby value
FDIC
LNRENROT + LNLSGR6.94%
+5.1%y/y
Percentile by value29th percentileby value
FDIC
LNCI + LNLSGR