Exchange State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Securities (20%), home mtgs (18%), cash (13%), comm loans (9%), comm re (7%), consumer loans (2%), other (30%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Southeast Kansas Bancshares, Inc.
Investment Rating
--
Address
408 Fifth Street
Saint Paul, KS 66771
Saint Paul, KS 66771
Phone Number
(620) 449-2225
Year Founded
1914
FDIC Number
Website
Largest Affiliates
Prescott, KS
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Bank