Exchange State Bank
Saint Paul, KS · Cert 14556 · Peer group: banks under $1B in assets in KS (n=98) · Southeast KS Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
$105.0MAssets
$68.8MLoans
$88.1MDeposits
$12.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in KS (rank 79 of 98).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.59%
Rank 20 of 98
Net Interest Margin
4.19%
Rank 19 of 98
Efficiency Ratio
51.14%
Rank 23 of 98
Equity / Assets
11.64%
Rank 44 of 98
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 78% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 1.03% | 1.24% | 1.54% | Beats 80% | 20 / 98 | | |
| Return on Equity | 13.62% | 8.85% | 11.58% | 14.73% | Beats 70% | 29 / 98 | | |
| Net Interest Margin | 4.19% | 3.24% | 3.62% | 3.91% | Beats 81% | 19 / 98 | | |
| Efficiency Ratio | 51.14% | 51.87% | 58.88% | 64.74% | Beats 78% | 23 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 11.59% | 11.81% | 13.71% | 17.33% | Beats 19% | 79 / 98 | | |
| Total Risk-Based Capital Ratio | 11.59% | 11.81% | 14.13% | 17.45% | Beats 19% | 79 / 98 | | |
| Equity / Assets | 11.64% | 8.60% | 11.34% | 13.10% | Beats 55% | 44 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.02% | 57.09% | 69.84% | 82.47% | 65th pctl | 34 / 98 | | |
| Loans / Assets | 65.46% | 49.34% | 58.31% | 68.94% | 63rd pctl | 36 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |