Exchange State Bank (Lanark, IL)
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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 Lanark, IL, established in 1878 (FDIC certificate 12402), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $112.7M, little changed from Q2 2025, the 254th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.47% 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
- 12402
- Headquarters
- Lanark, IL
- Established
- 1878
- Total assets, Q2 2026
- $112.7M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 11.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071108083
- Latest call report
- Q2 2026, FFIEC 051 · Exchange State Bank call report
- Holding company
- LANARK BANCSHARES, INC.
- Asset rank in state
- 254th of 319 in Illinois
Exchange State Bank, based in Lanark, Illinois, reported $113 million in assets at June 30, 2026. It holds commercial real estate loans equal to only 39% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also lost 1.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter rose 27% from a year earlier, to $468,000. Over the same year, loans grew 7.1% and deposits shrank 1.2%. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Exchange State Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Exchange State Bank is the 254th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $112.7M, loans rose 0.1% and deposits rose 0.2%. Commercial and industrial loans made up 31.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.4%. Its one office in the FDIC Summary of Deposits is in Lanark, IL. Judged on its Q2 2026 call report, Exchange State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 126 N Broad St, Lanark, IL 61046
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1878
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $98.6M
- Allowance for credit losses
- $656K
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.7M
- Average total loans
- $62.3M
- Average interest-bearing deposits
- $80.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12402
- Fed RSSD
- 769334
- Website
- http://www.lanarkbank.com →
- Parent Holding Company
- LANARK BANCSHARES, INC. (RSSD 1204430)
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
Over the 12 quarters to Q2 2026, Exchange State Bank's total assets ran between $99.8M (Q3 2023) and $112.7M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$112.7M total assets against $112.7M; $102.2M total liabilities against $103.1M.
$61.3M net loans and leases against $57.2M; $98.6M total deposits against $99.8M.
$35.6M securities against $36.3M; $12.3M cash and balances due against $15.6M.
$1.4M total interest income against $1.3M; $486K total interest expense against $551K.
$886K net interest income against $778K.
$160K total noninterest income against $146K; $564K total noninterest expense against $542K.
$0 provision for credit losses against $0.
$468K net income against $368K.
1.65% return on assets against 1.38%; 3.26% net interest margin against 2.99%.
11.47% tier 1 leverage ratio against 11.92%.
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 1,008 of 3,611, for ROA; its furthest is 3,575 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.38% (Q4 2025) to 1.65% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.26% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.65% | 0.05% | 0.30% | 3.26% |
| Q1 2026 | 11.39% | 1.39% | 0.00% | 0.00% | 3.13% |
| Q4 2025 | 11.50% | 0.38% | 0.00% | 0.00% | 3.26% |
| Q3 2025 | 11.54% | 1.27% | 0.00% | 0.00% | 3.16% |
| Q2 2025 | 11.92% | 1.38% | 0.00% | 0.00% | 2.99% |
| Q1 2025 | 11.96% | 1.28% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 11.84% | 0.70% | 0.00% | 0.00% | 2.93% |
| Q3 2024 | 11.63% | 1.12% | 0.00% | 0.00% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Lanark , IL | 61046 | $98.6M |
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 |
|---|---|---|---|
| January 1, 1968 | Structure Change | Acquired National Bank of Lanark Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 298 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 $112.7 million in its FFIEC call report.
Where is Exchange State Bank headquartered?
It is headquartered in Lanark, IL, United States.
When was Exchange State Bank founded?
It was established in 1878, per the FDIC institution directory.
Is Exchange State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12402). 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 1 domestic office, 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 0.30% 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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