Exchange State Bank Routing Number (ABA): 073909507

Exchange State Bank at a glance

It reports no CET1 ratio; its Tier 1 leverage ratio was 11.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.

Total assets, Q2 2026

$146.0M

Tier 1 leverage ratio, Q2 2026

11.17%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

3 FDIC institution directory, current count

Established

1902

Full financial profile · Is Exchange State Bank safe? · Branch locations

What the digits mean

The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0950, identify the institution within that district. The last digit, 7, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Exchange State Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Exchange State Bank checks or in its online banking. Ask the bank for wire instructions (www.esb1.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Exchange State Bank

Exchange State Bank is headquartered in Ames, Iowa and was established in 1902. It is in the AMES, IA metro area. It reported $146.0M in total assets and $117.5M in deposits for Q2 2026, the 167th largest of the 225 banks headquartered in Iowa. See the largest banks in Iowa by total assets. It reports 3 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. 4 other banks and credit unions headquartered in Ames have a routing number listed here.

What the digits in 073909507 mean

The first four digits, 0739, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0950, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 14 + 7 x 7 + 19 = 110, a multiple of 10, so 073909507 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Exchange State Bank routing number?

The Exchange State Bank routing number is 073909507. It is the primary ABA routing transit number registered to Exchange State Bank, headquartered in Ames, IA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the Exchange State Bank wire routing number?

This page lists the primary routing number registered to Exchange State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Exchange State Bank before sending a wire.

Is ABA number 073909507 the routing number for Exchange State Bank?

Yes. It is the primary routing number registered to Exchange State Bank.

Which bank uses routing number 073909507?

It belongs to Exchange State Bank, headquartered in Ames, IA. It is the bank's primary ABA routing number (FDIC certificate 10132).

Routing numbers in Ames, IA

Bank

First National Bank Ames, Iowa: 073902274

Bank

Visionbank of Iowa: 073905187

Credit union

Greater Iowa Credit Union: 273972583

Credit union

River Valley Credit Union: 273972596

All routing numbers in Iowa