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Valley Exchange Bank

Our records indicate that this bank has been acquired by American Bank & Trust.


Valley Exchange Bank is an FDIC insured institution headquartered at 214 S Main St, Lennox, SD 57039.
It was founded in 1883 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - May 26, 2026

SAVINGS RATES APY MIN
Savings
0.20% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.45% $10,000 Compare
12 Mo CD
0.45% $100,000 Compare
18 Mo CD
0.50% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.55% $10,000 Compare
24 Mo CD
0.55% $100,000 Compare
30 Mo CD
0.60% $10,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.65% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
48 Mo CD
0.70% $10,000 Compare
48 Mo CD
0.70% $100,000 Compare
60 Mo CD
1.05% $10,000 Compare
60 Mo CD
1.05% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.25% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9947
Date Established 1883
Assets $ 73.55 million
Loans $ 10.91 million
Deposits $ 60.06 million
Capital $ 8.37 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 18.74 million
Interest-bearing balances $ 16.44 million
Total securities $ 16.98 million
Federal funds sold and reverse repurchase $ 20.08 million
Net loans and leases $ 10.91 million
Loan loss allowance $ 0.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets $ 0.75 million
     Total Assets $ 60.28 million

LIABILITIES
Total deposits $ 60.06 million
      Interest-bearing deposits $ 40.83 million
      Deposits held in domestic offices $ 60.06 million
      % insured (estimated)" 90.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.10 millionn
      Total Liabilities $ 60.28 million
      Shareholders’ Equity $ 13.27 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 1.82 million
Total Interest Expense $ 0.08 million
Net interest income $ 1.74 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.06 million
Total non interest expense $ 0.98 million
Pre-tax Net Operating Income N.A.

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