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State Exchange Bank Lamont, OK

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State Exchange Bank Lamont, OK Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Exchange Bank Lamont, OK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

State Exchange Bank Lamont, OK rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not State Exchange Bank Lamont, OK, and you can see how they compare in the State Exchange Bank Lamont, OK rate tables below. MonitorBankRates evaluates the financial stability of State Exchange Bank Lamont, OK with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.07%. Database rates last updated and verified on 08/30/2026.

State Exchange Bank Lamont, OK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Exchange Bank Lamont, OK? Share your experience about State Exchange Bank Lamont, OK by leaving a review below, or read customer reviews before you decide to use State Exchange Bank Lamont, OK.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.07%

Excellent Higher than avg

State Exchange Bank Lamont, OK

1280 Main St
Lamont, OK 74643

https://www.stateexchangebank.com

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Exchange Bank Lamont, OK is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather State Exchange Bank Lamont, OK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with State Exchange Bank Lamont, OK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Exchange Bank Lamont, OK

Bank Holding Company STATE EXCHANGE BANCSHARES INC

Address 1280 Main St, Lamont, OK 74643 · Grant

Website https://www.stateexchangebank.com

FDIC Certificate # 13551

Established 10/01/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7909%

Return on Equity (ROE) 18.9500%

Non-Performing Loans (NPL) 1.48%

Total Assets $95,067,000

Total Deposits $84,069,000

Equity Capital $9,812,000

Net Income $-1,193,000

Headquarters Lamont

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

State Exchange Bank Lamont, OK earned the Verified Healthy badge

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Frequently Asked Questions About State Exchange Bank Lamont, OK

How many branches does State Exchange Bank Lamont, OK operate?

State Exchange Bank Lamont, OK currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, State Exchange Bank Lamont, OK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Exchange Bank Lamont, OK provides members with tools to manage their accounts and build a solid financial history.

Does State Exchange Bank Lamont, OK offer online and mobile banking?

Most modern institutions like State Exchange Bank Lamont, OK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stateexchangebank.com.