BanksEXCHANGE STATE BANK

EXCHANGE STATE BANK

SAINT PAUL, KSSmallEst. Sept. 26, 1914, midnightFDIC #14556RSSD #534859FDIC
Latest · 2025-12-31

EXCHANGE STATE BANK is an 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%. CET1 capital ratio: 11.05%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$104M
Deposits
$88M
Loans
$66M
Equity
$11M

Profitability

Return on Assets (ROA)1.39%
Return on Equity (ROE)12.77%
Net Interest Margin4.41%
Yield on Assets6.19%
Cost of Funds1.84%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.05%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.27%

Capital & Liquidity

CET1 Ratio11.05%
Tier 1 Capital11.05%
Total Capital Ratio11.60%
Leverage Ratio10.99%
Loan-to-Deposit74.89%

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