B
The Exchange State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Exchange State Bank
Springville, IA
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Rating B
Asset Quality Index 7.80
Capitalization Index 7.80
Liquidity Index 3.90
Profitability Index 4.40
Stability Index 5.20
Company Info The Exchange State Bank
Springville, IA
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FDIC Number 16094
Phone Number (319) 854-6104
Website www.exchangestatebank.net/
Asset Quality The Exchange State Bank
Springville, IA
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1-Year Asset Growth -0.08%
5-Year Asset Growth -1.05%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.99%
Non-Performing Loans to Loans 0.57%
Balance Sheet The Exchange State Bank
Springville, IA
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Total Assets 52.73M
Total Deposits 47.94M
Capital and Reserves The Exchange State Bank
Springville, IA
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Capital 4.56M
Leverage Ratio 9.51
Loan Loss Reserves to Loans 1.38%
Risk-Based Capital Ratio --
Liquidity The Exchange State Bank
Springville, IA
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Hot Money Ratio 17.23%
Liquidity Ratio 41.17%
Profitability The Exchange State Bank
Springville, IA
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5-Year Return on Average Assets 0.76%
Net Income 273.00K
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 68.05%
Return on Assets 1.02%
Return on Equity 12.08%