EXCHANGE STATE BANK, THE

SPRINGVILLE, IA | Micro | Est. Jan. 1, 1934, midnight | FDIC #16094 | RSSD #362043 | FDIC
Latest Report: 2025-12-31

EXCHANGE STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in SPRINGVILLE, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $53M and total deposits of $48M. Profitability stands at 0.76% ROA and 8.97% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 8.56%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16094.

Assets

$53M

Deposits

$48M

Loans

$30M

Equity

$5M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 8.97%
Net Interest Margin (NIM) 3.89%
Yield on Assets 5.52%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 8.56%
Tier 1 Capital 8.56%
Total Capital Ratio 8.99%
Leverage Ratio 9.14%
Loan-to-Deposit 61.45%

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