Exchange State Bank
Adair, IA · Cert 18838 · Peer group: banks under $1B in assets in IA (n=139-140)
FDIC · 1 branch
Q3 2024
$33.5MAssets
$15.6MLoans
$27.1MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 25 of 139).
- Widest gap: return on equity trails 96% of banks under $1B in assets in IA (rank 135 of 140).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.05%
Rank 135 of 140
Net Interest Margin
2.62%
Rank 90 of 140
Efficiency Ratio
97.68%
Rank 134 of 140
Equity / Assets
17.09%
Rank 8 of 140
Non-interest income vs. expense
Unfavorable gap of $836K · efficiency ratio beats 5% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.54% | 0.80% | 1.02% | Beats 4% | 135 / 140 | | |
| Return on Equity | 0.31% | 5.05% | 7.46% | 10.17% | Beats 4% | 135 / 140 | | |
| Net Interest Margin | 2.62% | 2.45% | 2.79% | 3.19% | Beats 36% | 90 / 140 | | |
| Efficiency Ratio | 97.68% | 57.25% | 66.42% | 75.05% | Beats 5% | 134 / 140 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.27% | 0.99% | Beats 100% | 25 / 139 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 40 / 139 | | |
| Capital |
| Tier 1 Capital Ratio | 29.03% | 11.08% | 13.04% | 15.08% | Beats 94% | 8 / 140 | | |
| Total Risk-Based Capital Ratio | 30.00% | 11.68% | 13.73% | 15.73% | Beats 94% | 8 / 140 | | |
| Equity / Assets | 17.09% | 8.82% | 10.29% | 12.33% | Beats 94% | 8 / 140 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.30% | 67.26% | 79.98% | 91.20% | 13th pctl | 121 / 139 | | |
| Loans / Assets | 46.47% | 57.15% | 65.78% | 75.20% | 12th pctl | 123 / 139 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |