Exchange State Bank (Saint Paul, KS)
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Data as of · sourced from FFIEC call reports. How we update
Exchange State Bank is an FDIC-insured commercial bank headquartered in Saint Paul, KS, established in 1914 (FDIC certificate 14556), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $105.0M, up 2.4% from Q2 2025, the 133rd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14556
- Headquarters
- Saint Paul, KS
- Established
- 1914
- Total assets, Q2 2026
- $105.0M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 11.59%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101111681
- Latest call report
- Q2 2026, FFIEC 051 · Exchange State Bank call report
- Holding company
- SOUTHEAST KANSAS BANCSHARES, INC.
- Asset rank in state
- 133rd of 182 in Kansas
Exchange State Bank, based in Saint Paul, Kansas, reported $105 million in assets at June 30, 2026, up 2.4% from a year earlier. It holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $435,000, 39% above the same quarter a year earlier. Over the same year, loans grew 15.9% and deposits grew 0.9%.
As of June 30, 2026, Exchange State Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Exchange State Bank is the 133rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $105.0M, loans rose 1.4% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.7% of total loans, followed by agricultural production loans at 22.6%. Its 3 offices in the FDIC Summary of Deposits are in Saint Paul, KS, Girard, KS and Columbus, KS; its Saint Paul office books 37% of its branch deposits. On its Q2 2026 call report, Exchange State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 408 5th Street, Saint Paul, KS 66771
- County
- Neosho
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 26, 1914
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $88.1M
- Allowance for credit losses
- $900K
- Net charge-offs (YTD)
- $0
- Average total assets
- $105.5M
- Average total loans
- $68.3M
- Average interest-bearing deposits
- $78.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 6, 1934
- FDIC Cert
- 14556
- Fed RSSD
- 534859
- Website
- www.esbks.com →
- Parent Holding Company
- SOUTHEAST KANSAS BANCSHARES, INC. (RSSD 2124816)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Exchange State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Exchange State Bank's total assets moved between a low of $93.4M (Q1 2024) and a high of $105.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$105.0M total assets against $102.6M; $92.8M total liabilities against $91.7M.
$67.9M net loans and leases against $58.5M; $88.1M total deposits against $87.4M.
$15.2M securities against $23.5M; $17.5M cash and balances due against $16.1M.
$1.5M total interest income against $1.4M; $406K total interest expense against $463K.
$1.1M net interest income against $899K.
$59K total noninterest income against $52K; $592K total noninterest expense against $535K.
$30K provision for credit losses against $12K.
$435K net income against $314K.
1.65% return on assets against 1.23%; 4.47% net interest margin against 3.71%.
11.59% tier 1 leverage ratio against 10.63%.
Inside the full Exchange State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExchange State Bank rankings
Its closest position to the top of a national ranking is 751 of 3,606, for efficiency ratio; its furthest is 3,637 of 3,640, for Texas Ratio.
Banks merged into Exchange State Bank
- Prescott State Bank, effective September 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 1.65% (Q2 2026) and its net interest margin ran from 3.40% (Q3 2024) to 4.47% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.59% | 1.65% | 0.00% | 0.00% | 4.47% |
| Q1 2026 | 11.29% | 1.52% | 0.03% | 0.14% | 4.32% |
| Q4 2025 | 10.99% | 1.38% | 0.01% | 0.07% | 4.24% |
| Q3 2025 | 10.75% | 1.32% | 0.00% | 0.00% | 3.93% |
| Q2 2025 | 10.63% | 1.23% | 0.06% | 0.68% | 3.71% |
| Q1 2025 | 10.41% | 1.07% | 0.11% | 0.56% | 3.63% |
| Q4 2024 | 10.18% | 1.01% | 0.13% | 0.68% | 3.55% |
| Q3 2024 | 10.46% | 0.90% | 0.13% | 0.70% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Exchange State Bank (main office) | Saint Paul , KS | 66771 | $32.7M |
| Girard Branch | Girard , KS | 66743 | $28.9M |
| Columbus Branch | Columbus , KS | 66725 | $26.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | Structure Change | Acquired Prescott State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 161 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $933K approved, $466K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Exchange State Bank
What are Exchange State Bank's total assets?
As of the Q2 2026 filing, Exchange State Bank reported total assets of $105.0 million in its FFIEC call report.
Where is Exchange State Bank headquartered?
It is headquartered in Saint Paul, KS, United States.
When was Exchange State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Exchange State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange State Bank?
Exchange State Bank's primary federal regulator is the FDIC.
How many branches does Exchange State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Exchange State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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