Bank Comparison
Exchange State Bank vs State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.39% | 9.60% |
| Equity / Assets | 9.19% | 9.37% |
Profitability
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 0.96% |
| Return on Equity (ROE) | 14.77% | 10.10% |
| Net Interest Margin (NIM) | 3.13% | 4.32% |
| Yield on Earning Assets | 4.94% | 6.58% |
| Cost of Funds | 1.94% | 2.42% |
Asset quality
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 2.67% |
| Non-Performing Loan Ratio | 0.00% | 0.34% |
| Non-Performing Asset Ratio | 0.00% | 0.28% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.06% | 1.28% |
Balance sheet
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| Total Assets | $112,274K | $112,220K |
| Total Deposits | $98,395K | $100,928K |
| Total Loans | $61,929K | $92,416K |
| Total Equity | $10,323K | $10,512K |
| Net Income (quarter) | $387 | $262 |
Liquidity & funding
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.94% | 91.57% |
| Core Deposit Ratio | 88.56% | 90.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Exchange State Bank | State Bank |
|---|---|---|
| Headquarters City | LANARK | GREEN RIVER |
| Headquarters State | IL | WY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 10 | 18 |
| Established | April 6, 1878, midnight | Aug. 18, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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