Exchange State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 58.75 percentage points lower than in Q1 2026, at 108.25%. Exchange State Bank ranks 37th of 225 Iowa banks on return on assets, in the upper half at 1.91% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Exchange State Bank reported 1.91% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 10.69% |
| Tangible equity to tangible assets | 10.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.33% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 108.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 18.35% |
| Net interest margin | 3.77% |
| Efficiency ratio | 43.11% |
| Yield on earning assets | 5.44% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.26% |
| Core deposits to total deposits | 77.27% |
| Brokered deposits to total deposits | 4.26% |
| Deposits to assets | 80.49% |
| Securities to assets | 8.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 2.05% | 3.69% | 0.00% | 0.00% |
| Q4 2023 | 10.23% | 1.94% | 3.56% | 0.00% | 0.00% |
| Q1 2024 | 10.66% | 1.75% | 3.68% | 0.00% | 0.00% |
| Q2 2024 | 10.68% | 1.80% | 3.49% | 0.00% | 0.00% |
| Q3 2024 | 10.64% | 1.69% | 3.44% | 0.00% | 0.00% |
| Q4 2024 | 10.03% | 1.54% | 3.37% | 0.00% | 0.92% |
| Q1 2025 | 10.34% | 1.62% | 3.48% | 0.00% | 0.00% |
| Q2 2025 | 10.91% | 1.93% | 3.72% | 0.00% | 0.00% |
| Q3 2025 | 11.03% | 1.96% | 3.79% | 0.00% | -0.75% |
| Q4 2025 | 10.45% | 1.98% | 3.76% | 0.35% | -0.01% |
| Q1 2026 | 10.87% | 1.99% | 3.82% | 0.50% | 0.00% |
| Q2 2026 | 11.17% | 1.91% | 3.77% | 0.78% | 0.00% |
Exchange State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10132) · FFIEC NIC profile (RSSD 805045)