Stock Exchange Bank
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Data as of · sourced from FFIEC call reports. How we update
Stock Exchange Bank is an FDIC-insured commercial bank headquartered in Caldwell, KS, established in 1881 (FDIC certificate 15784), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $90.3M, up 6.0% from Q2 2025, the 141st largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15784
- Headquarters
- Caldwell, KS
- Established
- 1881
- Total assets, Q2 2026
- $90.3M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 14.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101102373
- Holding company
- STOCK EXCHANGE FINANCIAL CORPORATION
- Asset rank in state
- 141st of 182 in Kansas
Problem loans are rising at Stock Exchange Bank. Based in Caldwell, Kansas, it had $90 million in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.03% of loans from 0.04% a year earlier. It funds 9.01% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also carries problem assets equal to 9.0% of the capital and reserves that would absorb them, 6.5 times the median of 1.4% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $263,000. Concentration is the risk to watch: it holds commercial real estate loans worth 0.8 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Stock Exchange Bank reported a CET1 capital ratio of 14.06%, a return on assets of 1.14%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 9.01%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Stock Exchange Bank is the 141st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.5% to $90.3M, loans rose 0.8% and deposits fell 5.7%. 1-4 family residential loans made up 61.8% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 9.9%. The FDIC Summary of Deposits lists 2 offices for it, in Caldwell, KS and Arkansas City, KS; its Caldwell office books 74% of its branch deposits. Judged on its Q2 2026 call report, Stock Exchange Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S Main St, Caldwell, KS 67022
- County
- Sumner
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 12, 1881
- Former names
- The Stock Exchange Bank, Caldwell, Kansas (1941)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $81.8M
- Allowance for credit losses
- $988K
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $92.5M
- Average total loans
- $75.9M
- Average interest-bearing deposits
- $68.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 27, 1940
- FDIC Cert
- 15784
- Fed RSSD
- 671053
- Website
- www.stockxbank.com →
- Parent Holding Company
- STOCK EXCHANGE FINANCIAL CORPORATION (RSSD 1956702)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Stock Exchange Bank's total assets ran between $80.1M (Q3 2023) and $94.5M (Q1 2026), 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
$90.3M total assets against $85.2M; $82.5M total liabilities against $78.3M.
$75.3M net loans and leases against $70.2M; $81.8M total deposits against $78.1M.
$7.9M securities against $8.1M; $3.1M cash and balances due against $3.2M.
$1.4M total interest income against $1.3M; $426K total interest expense against $472K.
$987K net interest income against $868K.
$64K total noninterest income against $66K; $689K total noninterest expense against $653K.
$21K provision for credit losses against $21K.
$263K net income against $206K.
1.14% return on assets against 0.95%; 4.55% net interest margin against 4.21%.
14.06% CET1 capital ratio against 13.58%; 9.01% tier 1 leverage ratio against 8.63%.
Inside the full Stock Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.45% (Q1 2026) and its net interest margin ran from 3.96% (Q3 2024) to 4.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.06% | 1.14% | 1.03% | 9.01% | 4.55% |
| Q1 2026 | 13.53% | 1.45% | 0.85% | 7.51% | 4.43% |
| Q4 2025 | 13.34% | 0.88% | 0.74% | 6.95% | 4.50% |
| Q3 2025 | 13.49% | 1.13% | 0.83% | 9.16% | 4.31% |
| Q2 2025 | 13.58% | 0.95% | 0.04% | 1.91% | 4.21% |
| Q1 2025 | 13.57% | 0.95% | 0.96% | 9.01% | 4.03% |
| Q4 2024 | 12.78% | 0.65% | 0.89% | 9.11% | 3.99% |
| Q3 2024 | 13.24% | 1.06% | 0.72% | 7.13% | 3.96% |
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 Stock Exchange Bank, Caldwell, Kansas | Caldwell , KS | 67022 | $60.7M |
| Arkansas City Branch | Arkansas City , KS | 67005 | $21.1M |
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 |
|---|---|---|---|
| December 15, 1990 | Structure Change | Acquired First Federal Savings Bank of Kansas Failure, Government Assistance Provided 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.
- Deposit market share
- <0.1% of deposits in KS, rank 167 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $63K approved, $63K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Stock Exchange Bank
What are Stock Exchange Bank's total assets?
As of the Q2 2026 filing, Stock Exchange Bank reported total assets of $90.3 million in its FFIEC call report.
Where is Stock Exchange Bank headquartered?
It is headquartered in Caldwell, KS, United States.
When was Stock Exchange Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Stock Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stock Exchange Bank?
Stock Exchange Bank's primary federal regulator is the Federal Reserve.
What is Stock Exchange Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Stock Exchange 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 Stock Exchange Bank's Texas Ratio?
Its Texas Ratio is 9.01% 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.
What was Stock Exchange Bank previously called?
The charter now named Stock Exchange Bank has also operated as The Stock Exchange Bank, Caldwell, Kansas (1941), per FDIC structure-change records.
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