B
The Exchange State Bank
Rating Date
March 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 6.90
Capitalization Index 7.20
Liquidity Index 3.80
Profitability Index 4.20
Stability Index 4.80
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 -3.03%
5-Year Asset Growth -1.05%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Exchange State Bank
Springville, IA
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Total Assets 52.90M
Total Deposits 48.11M
Capital and Reserves The Exchange State Bank
Springville, IA
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Capital 4.53M
Leverage Ratio 9.14
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio --
Liquidity The Exchange State Bank
Springville, IA
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Hot Money Ratio 14.56%
Liquidity Ratio 39.32%
Profitability The Exchange State Bank
Springville, IA
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5-Year Return on Average Assets 0.80%
Net Income 371.00K
Net Interest Spread 3.61%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 76.67%
Return on Assets 0.69%
Return on Equity 8.82%