Exchange State Bank, The
Springville, IA · Cert 16094 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (12 in holding)
Q2 2026
$52.7MAssets
$28.5MLoans
$47.9MDeposits
$4.6MEquity
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 97% of banks under $1B in assets operating in a single state (rank 723 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.04%
Rank 390 of 746
Net Interest Margin
3.68%
Rank 368 of 746
Efficiency Ratio
68.05%
Rank 435 of 746
Equity / Assets
8.64%
Rank 586 of 746
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 390 / 746 | | |
| Return on Equity | 11.98% | 6.74% | 10.51% | 13.63% | Beats 63% | 278 / 746 | | |
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 51% | 368 / 746 | | |
| Efficiency Ratio | 68.05% | 55.74% | 64.58% | 75.47% | Beats 42% | 435 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.09% | 0.42% | 1.07% | Beats 43% | 421 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.51% | 11.55% | 13.75% | 17.60% | Beats 3% | 723 / 746 | | |
| Total Risk-Based Capital Ratio | 9.51% | 11.71% | 14.33% | 18.43% | Beats 3% | 723 / 746 | | |
| Equity / Assets | 8.64% | 8.90% | 10.51% | 13.06% | Beats 21% | 586 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.41% | 61.31% | 78.27% | 90.78% | 21st pctl | 588 / 746 | | |
| Loans / Assets | 54.02% | 53.60% | 66.97% | 76.08% | 26th pctl | 555 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |