EXCHANGE STATE BANK

SAINT PAUL, KS | Small | Est. Sept. 26, 1914, midnight | FDIC #14556 | RSSD #534859 | FDIC
Latest Report: 2025-12-31

EXCHANGE STATE BANK is asn small FDIC-insured commercial bank headquartered in SAINT PAUL, KS, established in Sept. 26, 1914, midnight. As of 2025-12-31, the bank reported total assets of $104M and total deposits of $88M. Profitability stands at 1.39% ROA and 12.77% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 11.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14556.

Assets

$104M

Deposits

$88M

Loans

$66M

Equity

$11M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 12.77%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.19%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 11.05%
Tier 1 Capital 11.05%
Total Capital Ratio 11.60%
Leverage Ratio 10.99%
Loan-to-Deposit 74.89%

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