The 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: 121.69 percentage points higher than in Q1 2026, at 243.21%. Within Iowa, The Exchange State Bank is 160th of 225 on return on assets, 1.16% as of Q2 2026, below the middle of the field. The Exchange State Bank reported 1.16% on return on assets for Q2 2026, 0.17 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.51% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 3.27% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 243.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 13.52% |
| Net interest margin | 3.70% |
| Efficiency ratio | 64.30% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.41% |
| Core deposits to total deposits | 92.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.92% |
| Securities to assets | 40.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.65% | 10.65% | 11.51% | 8.78% | 0.87% |
| Q4 2023 | 11.19% | 11.19% | 12.07% | 8.98% | 0.68% |
| Q1 2024 | 10.71% | 10.71% | 11.63% | 8.28% | 0.33% |
| Q2 2024 | 10.58% | 10.58% | 11.48% | 8.52% | 0.46% |
| Q3 2024 | 10.87% | 10.87% | 11.80% | 8.22% | 0.18% |
| Q4 2024 | 10.88% | 10.88% | 11.80% | 8.54% | 0.47% |
| Q1 2025 | 10.12% | 10.12% | 10.99% | 8.64% | 0.82% |
| Q2 2025 | 11.68% | 11.68% | 12.67% | 8.98% | 0.61% |
| Q3 2025 | — | — | — | 9.08% | 0.59% |
| Q4 2025 | — | — | — | 9.14% | 0.75% |
| Q1 2026 | — | — | — | 9.02% | 0.89% |
| Q2 2026 | — | — | — | 9.51% | 1.16% |
The Exchange State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16094) · FFIEC NIC profile (RSSD 362043)