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The Exchange State Bank
Springville, IA · FDIC Certificate #16094 · Chartered 01/0
Total assets
$52.73M
Total deposits
$47.94M
Total equity
$4.56M
Net loans
$28.09M
Branches (offices)
2
Net income (YTD)
$273.00K
Rank: #4,022 of 4,213 U.S. banks by assets · #213 of 225 in Iowa. Assets changed -0.1% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 12.06% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 8.64% |
| Tier 1 leverage ratio | 9.51% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 58.6% |
| Real estate loans (share of loans) | 71.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $20.12M | 71.6% | |
| Commercial & industrial | $2.96M | 10.6% | |
| Consumer / individual | $1.48M | 5.3% | |
| Construction & development | $233.00K | 0.8% | |
| Agricultural | $3.92M | 14.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $54.45M | $51.11M | $203.00K | $3.25M |
| Jun 2023 | $54.89M | $51.52M | $253.00K | $3.25M |
| Jun 2024 | $56.30M | $49.04M | $109.00K | $3.65M |
| Jun 2025 | $52.77M | $47.76M | $193.00K | $4.15M |
| Jun 2026 | $52.73M | $47.94M | $273.00K | $4.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $47.94M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.94M.
Similar-sized banks
Bryant State Bank ($52.94M) · The First National Bank Of Wakefield ($52.65M)
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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