Exchange State Bank
Ames, IA · Cert 10132 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mid America Banks Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$146.0MAssets
$122.5MLoans
$117.5MDeposits
$15.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets operating in a single state (rank 600 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.61%
Rank 131 of 746
Net Interest Margin
3.67%
Rank 379 of 746
Efficiency Ratio
43.27%
Rank 41 of 746
Equity / Assets
10.69%
Rank 350 of 746
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.72% | 1.06% | 1.45% | Beats 82% | 131 / 746 | |
| Return on Equity | 15.11% | 6.74% | 10.51% | 13.63% | Beats 84% | 122 / 746 | |
| Net Interest Margin | 3.67% | 3.17% | 3.68% | 4.16% | Beats 49% | 379 / 746 | |
| Efficiency Ratio | 43.27% | 55.74% | 64.58% | 75.47% | Beats 95% | 41 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.42% | 1.07% | Beats 27% | 542 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 11.55% | 13.75% | 17.60% | Beats 21% | 588 / 746 | |
| Total Risk-Based Capital Ratio | 11.17% | 11.71% | 14.33% | 18.43% | Beats 20% | 600 / 746 | |
| Equity / Assets | 10.69% | 8.90% | 10.51% | 13.06% | Beats 53% | 350 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 104.26% | 61.31% | 78.27% | 90.78% | 94th pctl | 48 / 746 | |
| Loans / Assets | 83.92% | 53.60% | 66.97% | 76.08% | 93rd pctl | 52 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |