Exchange Bank & Trust

Exchange Bank & Trust is a family-owned community bank headquartered in Atchison, Kansas, serving northeast Kansas and northwest Missouri with personal, business, and military banking alongside commercial lending.

Its commercial real estate loans cover the purchase, refinance, or construction of commercial property for owner-occupied or investment use, with construction mortgage loans available and repayment terms set to the business. The bank emphasises lenders who know the local real estate market, local processing, and quick local decisions, and lists commercial lending officers by branch. Other business products include lines of credit, working capital loans, SBA loans, business deposit accounts, cash management, merchant services, and remote deposit capture.

The bank has operated since 1856 and has been family owned throughout, first by the Hetherington family, later the Waggener family, and today the Adair family. It runs 10 branches in Atchison, Leavenworth, Lansing, Easton, Effingham, and Troy, Kansas and Platte City and Rushville, Missouri, holds assets in excess of $600 million, and employs approximately 100 people.

Rates, loan minimums, recourse terms, and cash-out policies are not published. The site routes commercial borrowers to a lending officer, and to its MortgageBot tool for current rates, so expect an underwriting conversation rather than a published term sheet.