BlastPoint's Banking Scorecard
Exchange State Bank
Ames, IA
3 branches across IA
Exchange State Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35.7% in tier
- + Efficiency Ratio 22.50% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27.6% in tier
- - Liquidity Strain: Bottom 48.2% in tier
- - Deposit Outflow: Bottom 49.0% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.06% below tier average
- - Delinquency Rate 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.4M
+0.5% YoY
+0.1% QoQ
|
-$239.6M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.4% in tier |
| Total Loans ? |
$120.8M
+2.3% YoY
-2.3% QoQ
|
-$134.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$117.6M
-0.6% YoY
+1.5% QoQ
|
-$210.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.3% in tier |
| Return on Assets ? |
2.02%
+23.9% YoY
+7.5% QoQ
|
+0.75% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 11.9% in tier |
| Net Interest Margin ? |
3.87%
+10.8% YoY
+4.7% QoQ
|
-0.06% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
42.78%
-15.3% YoY
-6.9% QoQ
|
-22.50% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 6.5% in tier |
| Delinquency Rate ? |
0.96%
+174.8% QoQ
|
+0.08% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
102.73%
+3.0% YoY
-3.8% QoQ
|
+26.09% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.78%
-5.6% YoY
-4.3% QoQ
|
-2.24% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.80%
+168.1% QoQ
|
+0.16% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.87%
+5.1% YoY
+4.0% QoQ
|
-4.96% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.01%
+6.6% YoY
-81.0% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.