Exchange State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange State Bank of Saint Paul, KS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.65% | 1.25% | +0.40% | 71st above |
| ROAE | 14.46% | 12.22% | +2.24% | 62nd above |
| Net Interest Margin | 4.47% | 3.95% | +0.52% | 77th top |
| Efficiency Ratio | 49.63% | 63.71% | -14.08% | 81st top |
| PPNR / Avg Assets | 2.26% | — | — | 82nd top |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 71st above |
| Cost of Funds | 1.76% | 1.87% | -0.11% | 52nd above |
| Net Interest Spread | 4.11% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.31% | — | — | 63rd above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.59% | 11.75% | -0.16% | 59th above |
| Equity / Assets | 11.64% | 10.98% | +0.66% | 67th above |
| TCE / Tangible Assets | 11.64% | — | — | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.02% | 80.44% | -2.42% | 56th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.73% | 86.95% | +1.78% | 48th below |
| Wholesale Funding Ratio | 3.94% | — | — | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.41% | — | — | 34th below |
| Loan Growth (Y/Y) | 15.95% | — | — | 87th top |
| Deposit Growth (Y/Y) | 0.88% | — | — | 28th below |
See Exchange State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Exchange State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Exchange State Bank peer analysis.