EXCHANGE STATE BANK

LANARK, IL | Small | Est. April 6, 1878, midnight | FDIC #12402 | RSSD #769334 | FDIC
Latest Report: 2025-12-31

EXCHANGE STATE BANK is asn small FDIC-insured commercial bank headquartered in LANARK, IL, established in April 6, 1878, midnight. As of 2025-12-31, the bank reported total assets of $109M and total deposits of $94M. Profitability stands at 0.38% ROA and 4.02% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 9.75%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #12402.

Assets

$109M

Deposits

$94M

Loans

$63M

Equity

$11M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 4.02%
Net Interest Margin (NIM) 3.46%
Yield on Assets 5.47%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 9.75%
Tier 1 Capital 9.75%
Total Capital Ratio 10.24%
Leverage Ratio 11.50%
Loan-to-Deposit 66.56%

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