The Exchange State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Exchange State Bank is an FDIC-insured commercial bank headquartered in Springville, IA, established in 1934 (FDIC certificate 16094), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $52.7M, down 0.1% from Q2 2025, the 213th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.51% 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
- 16094
- Headquarters
- Springville, IA
- Established
- 1934
- Total assets, Q2 2026
- $52.7M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 9.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073909031
- Latest call report
- Q2 2026, FFIEC 051 · The Exchange State Bank call report
- Holding company
- COUNTRY BANCORPORATION
- Asset rank in state
- 213th of 225 in Iowa
Problem loans are rising at The Exchange State Bank. Based in Springville, Iowa, it had $53 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.09% a year earlier. It funds 9.51% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%). It also shrank its loan book 4.2% over the year, lower than about three-quarters of banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $153,000, 89% above the same quarter a year earlier. Its $3.0 million commercial and industrial book is improving, with 2.56% past due or on nonaccrual, down from 5.05% a year earlier.
As of June 30, 2026, The Exchange State Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Exchange State Bank is the 213th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 4.0% to $52.7M, loans fell 2.1% and deposits fell 4.4%. 1-4 family residential loans made up 34.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 24.8%. The FDIC Summary of Deposits lists 2 offices for it, in Springville, IA and Martelle, IA; its Springville office books 68% of its branch deposits. On its Q2 2026 call report, The Exchange State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 253 Broadway St, Springville, IA 52336
- County
- Linn
- Metro Area
- Cedar Rapids, IA
- 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 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $47.9M
- Allowance for credit losses
- $394K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $52.9M
- Average total loans
- $28.4M
- Average interest-bearing deposits
- $35.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 22, 1943
- FDIC Cert
- 16094
- Fed RSSD
- 362043
- Website
- www.exchangestatebank.net →
- Parent Holding Company
- COUNTRY BANCORPORATION (RSSD 1203910)
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, The 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, The Exchange State Bank's total assets ran between $52.2M (Q3 2025) and $56.4M (Q3 2024), 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
$52.7M total assets against $52.8M; $48.2M total liabilities against $48.6M.
$28.1M net loans and leases against $29.4M; $47.9M total deposits against $47.8M.
$21.1M securities against $19.8M; $2.0M cash and balances due against $1.9M.
$689K total interest income against $688K; $199K total interest expense against $218K.
$490K net interest income against $470K.
$33K total noninterest income against $22K; $338K total noninterest expense against $383K.
No provision recorded in the last 12 quarters.
$153K net income against $81K.
1.16% return on assets against 0.61%; 3.70% net interest margin against 3.64%.
9.51% tier 1 leverage ratio against 8.98%.
Inside the full The Exchange State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 1.16% (Q2 2026) and its net interest margin ran from 2.61% (Q3 2024) to 3.70% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.51% | 1.16% | 0.57% | 3.27% | 3.70% |
| Q1 2026 | 9.02% | 0.89% | 1.13% | 6.74% | 3.70% |
| Q4 2025 | 9.14% | 0.75% | 0.00% | 0.00% | 3.65% |
| Q3 2025 | 9.08% | 0.59% | 0.10% | 0.59% | 3.59% |
| Q2 2025 | 8.98% | 0.61% | 0.09% | 0.62% | 3.64% |
| Q1 2025 | 8.64% | 0.82% | 0.48% | 3.33% | 3.55% |
| Q4 2024 | 8.54% | 0.47% | 1.80% | 13.61% | 3.04% |
| Q3 2024 | 8.22% | 0.18% | 1.77% | 13.28% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Exchange State Bank | Springville , IA | 52336 | $32.7M |
| Martelle Branch | Martelle , IA | 52305 | $15.3M |
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 |
|---|---|---|---|
| August 5, 2009 | Structure Change | Acquired Village Bank and Trust Co. Sale of Assets 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.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it. These actions name the parent holding company, COUNTRY BANCORPORATION, not the bank itself
- Period: Most recent action April 1, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IA, rank 240 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $148K approved, $148K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The Exchange State Bank
What are The Exchange State Bank's total assets?
As of the Q2 2026 filing, The Exchange State Bank reported total assets of $52.7 million in its FFIEC call report.
Where is The Exchange State Bank headquartered?
It is headquartered in Springville, IA, United States.
When was The Exchange State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Exchange State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Exchange State Bank?
The Exchange State Bank's primary federal regulator is the FDIC.
How many branches does The Exchange State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Exchange State Bank's Texas Ratio?
Its Texas Ratio is 3.27% 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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