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
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 6.90
Capitalization Index 7.00
Liquidity Index 3.80
Profitability Index 4.30
Stability Index 4.40
Company Info The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 16094
Phone Number (319) 854-6104
Website www.exchangestatebank.net/
Asset Quality The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth -6.28%
5-Year Asset Growth 3.79%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.09%
Balance Sheet The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 52.77M
Total Deposits 47.76M
Capital and Reserves The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
Capital 4.15M
Leverage Ratio 8.98
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 12.67
Liquidity The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 13.72%
Liquidity Ratio 38.14%
Profitability The Exchange State Bank
Springville, IA
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.80%
Net Income 193.00K
Net Interest Spread 3.60%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 76.27%
Return on Assets 0.71%
Return on Equity 9.54%