EXCHANGE STATE BANK

AMES, IA | Small | Est. Jan. 1, 1902, midnight | FDIC #10132 | RSSD #805045 | FDIC
Latest Report: 2025-12-31

EXCHANGE STATE BANK is asn small FDIC-insured commercial bank headquartered in AMES, IA, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $146M and total deposits of $116M. Profitability stands at 2.02% ROA and 20.15% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 9.90%. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 2.81%. FDIC Certificate #10132.

Assets

$146M

Deposits

$116M

Loans

$125M

Equity

$14M

Profitability

Return on Assets (ROA) 2.02%
Return on Equity (ROE) 20.15%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.96%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio -0.18%
Texas Ratio 2.81%
NPA Ratio 0.30%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 9.90%
Tier 1 Capital 9.90%
Total Capital Ratio 10.39%
Leverage Ratio 10.45%
Loan-to-Deposit 107.58%

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