The State Exchange Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
The State Exchange Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $152K in Q3 2026, up 20.6% from $126K in Q3 2025.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
Return on equity climbed 4.91 percentage points in Q3 2026, from 11.50% to 16.41%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, The State Exchange Bank is 111th of 182 on return on assets, 1.27% as of Q3 2026. The median for banks in the < $100M asset tier is 0.98% on return on assets. The State Exchange Bank sits 0.30 points higher, at 1.27% (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $152K |
| Return on assets | 1.27% |
| Return on equity | 16.41% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $325K |
| Total interest expense | $160K |
| Interest expense on deposits | $160K |
| Net interest margin | 3.64% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $261K |
| Salaries and general administrative expense | $157K |
| Amortization of intangibles | $0 |
| Other noninterest expense | $104K |
| Efficiency ratio | 59.18% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.4M |
| Revenue per employee | $279K |
| Full-time equivalent employees | 6 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $0 |
| Provision expense to average assets | 0.00% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $8K | 0.07% | 1.16% | 77.58% |
| Q1 2024 | $157K | 1.38% | 19.54% | 53.76% |
| Q2 2024 | $119K | 1.10% | 15.05% | 60.97% |
| Q3 2024 | $91K | 0.88% | 10.45% | 67.98% |
| Q4 2024 | $12K | 0.11% | 1.38% | 91.96% |
| Q1 2025 | $103K | 0.90% | 12.78% | 66.54% |
| Q2 2025 | $98K | 0.90% | 12.06% | 68.28% |
| Q3 2025 | $126K | 1.19% | 14.12% | 53.40% |
| Q4 2025 | $10K | 0.09% | 1.00% | 88.13% |
| Q1 2026 | $194K | 1.65% | 18.81% | 58.08% |
| Q2 2026 | $119K | 1.00% | 11.50% | 64.59% |
| Q3 2026 | $152K | 1.27% | 16.41% | 59.18% |
The State Exchange Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. How these pages are built. See the full The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17375) · FFIEC NIC profile (RSSD 571957)