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Exchange State Bank
Lanark, IL · FDIC Certificate #12402 · Chartered 04/0
Total assets
$112.74M
Total deposits
$98.62M
Total equity
$10.51M
Net loans
$61.32M
Branches (offices)
1
Net income (YTD)
$855.00K
Rank: #3,588 of 4,213 U.S. banks by assets · #256 of 322 in Illinois. Assets changed 0.0% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 16.30% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 9.32% |
| Tier 1 leverage ratio | 11.47% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 48.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $29.76M | 48.5% | |
| Commercial & industrial | $19.29M | 31.5% | |
| Consumer / individual | $1.77M | 2.9% | |
| Construction & development | $1.88M | 3.1% | |
| Agricultural | $10.85M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $100.05M | $86.79M | $371.00K | $7.43M |
| Jun 2023 | $100.63M | $89.16M | $743.00K | $8.01M |
| Jun 2024 | $105.90M | $88.54M | $615.00K | $8.70M |
| Jun 2025 | $112.73M | $99.84M | $702.00K | $9.64M |
| Jun 2026 | $112.74M | $98.62M | $855.00K | $10.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $98.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $98.62M.
Similar-sized banks
Bank Of Commerce And Trust Company ($112.75M) · Security State Bank Of Wanamingo ($112.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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