B
Exchange State Bank
LanarkIL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Exchange State Bank
Lanark, IL
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 5.30
Stability Index 6.10
Company Info Exchange State Bank
Lanark, IL
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FDIC Number 12402
Phone Number (815) 493-2631
Website www.lanarkbank.com
Asset Quality Exchange State Bank
Lanark, IL
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1-Year Asset Growth 2.10%
5-Year Asset Growth 4.23%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Exchange State Bank
Lanark, IL
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Total Assets 111.62M
Total Deposits 92.34M
Capital and Reserves Exchange State Bank
Lanark, IL
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Capital 10.45M
Leverage Ratio 11.54
Loan Loss Reserves to Loans 0.98%
Risk-Based Capital Ratio 14.99
Liquidity Exchange State Bank
Lanark, IL
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Hot Money Ratio 22.49%
Liquidity Ratio 22.08%
Profitability Exchange State Bank
Lanark, IL
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5-Year Return on Average Assets 1.08%
Net Income 1.06M
Net Interest Spread 3.04%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 60.47%
Return on Assets 1.31%
Return on Equity 14.71%