B
The Exchange State Bank
Rating Date
April 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 6.00
Capitalization Index 6.50
Liquidity Index 3.70
Profitability Index 0.20
Stability Index 5.00
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 -1.64%
5-Year Asset Growth 3.79%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.09%
Non-Performing Assets to Assets 1.07%
Non-Performing Loans to Capital 11.39%
Non-Performing Loans to Loans 1.80%
Balance Sheet The Exchange State Bank
Springville, IA
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Total Assets 54.56M
Total Deposits 47.17M
Capital and Reserves The Exchange State Bank
Springville, IA
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Capital 3.91M
Leverage Ratio 8.54
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 11.80
Liquidity The Exchange State Bank
Springville, IA
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Hot Money Ratio 13.90%
Liquidity Ratio 33.93%
Profitability The Exchange State Bank
Springville, IA
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5-Year Return on Average Assets 0.97%
Net Income 200.00K
Net Interest Spread 2.88%
Operating Profit to Average Assets 0.47%
Overhead Efficiency Ratio 84.36%
Return on Assets 0.36%
Return on Equity 5.35%