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Exchange State Bank
Saint Paul, KS · FDIC Certificate #14556 · Chartered 09/2
Total assets
$105.04M
Total deposits
$88.13M
Total equity
$12.23M
Net loans
$67.86M
Branches (offices)
3
Net income (YTD)
$833.00K
Rank: #3,643 of 4,213 U.S. banks by assets · #133 of 183 in Kansas. Assets changed 2.4% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 14.05% |
| Net interest margin (YTD) | 4.53% |
| Equity to assets | 11.64% |
| Tier 1 leverage ratio | 11.59% |
| Uninsured deposits (share of deposits) | 12.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.0% |
| Real estate loans (share of loans) | 57.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.73M | 57.1% | |
| Commercial & industrial | $11.05M | 16.3% | |
| Consumer / individual | $3.01M | 4.4% | |
| Construction & development | $84.00K | 0.1% | |
| Agricultural | $15.53M | 22.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $92.16M | $78.96M | $213.00K | $8.66M |
| Jun 2023 | $91.14M | $74.70M | $360.00K | $9.20M |
| Jun 2024 | $96.91M | $78.45M | $368.00K | $9.91M |
| Jun 2025 | $102.57M | $87.36M | $586.00K | $10.87M |
| Jun 2026 | $105.04M | $88.13M | $833.00K | $12.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $88.13M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $88.13M.
Similar-sized banks
The First National Bank Of Anson ($105.21M) · Bank Of Billings ($104.99M)
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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