B
The Exchange State Bank
Rating Date
October 2025
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 6.90
Capitalization Index 7.10
Liquidity Index 3.90
Profitability Index 4.00
Stability Index 4.50
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 -7.59%
5-Year Asset Growth 3.79%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.10%
Balance Sheet The Exchange State Bank
Springville, IA
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Total Assets 52.16M
Total Deposits 46.52M
Capital and Reserves The Exchange State Bank
Springville, IA
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Capital 4.39M
Leverage Ratio 9.08
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio --
Liquidity The Exchange State Bank
Springville, IA
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Hot Money Ratio 13.26%
Liquidity Ratio 38.41%
Profitability The Exchange State Bank
Springville, IA
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5-Year Return on Average Assets 0.80%
Net Income 271.00K
Net Interest Spread 3.60%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 77.08%
Return on Assets 0.67%
Return on Equity 8.77%