BlastPoint's Banking Scorecard

Exchange State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 14556

Saint Paul, KS

3 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +0.9% year over year ($88.1M on the books).
Delinquency rate 0.00%.
Return on assets 1.59%.
Efficiency ratio 51.14% vs a 64.48% peer average.
Loan-to-deposit ratio 77.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Exchange State Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.27% above tier average
+ Net Interest Margin 0.54% above tier average
+ Efficiency Ratio 13.34% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 59.9% in tier

Get updates when Exchange State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$105.0M +2.4% YoY +0.3% QoQ	-$281.5M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 1.3% in tier
Total Loans ?	$67.9M +16.0% YoY +1.3% QoQ	-$190.5M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 6.6% in tier
Total Deposits ?	$88.1M +0.9% YoY -0.6% QoQ	-$238.6M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 2.1% in tier
Return on Assets ?	1.59% +38.2% YoY +4.4% QoQ	+0.27%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.53% +20.9% YoY +1.7% QoQ	+0.54%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	51.14% -11.9% YoY -2.6% QoQ	-13.34%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.00% +15.0% YoY +1.9% QoQ	-0.95%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	9.82% -17.3% YoY -22.1% QoQ	-12.21%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 10.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.59% +9.0% YoY +2.6% QoQ	-4.32%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.10% +3.3% YoY +117.4% QoQ	-0.46%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	9.8% -2.0pp YoY -2.8pp QoQ	-12.3pp	22.1%	22.3%	22.2%	10%
Brokered Deposits	3.5% -0.3pp YoY 0.0pp QoQ	-4.3pp	7.9%	8.7%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	16.3% +1.5pp YoY -2.1pp QoQ	+4.7pp	11.6%	12.6%	12.5%	80%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	28.0% -0.5pp YoY -1.1pp QoQ	-4.6pp	32.6%	26.7%	31.3%	47%
Consumer	4.4% +0.5pp YoY +0.9pp QoQ	+0.3pp	4.1%	4.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	11.6% +1.0pp YoY +0.3pp QoQ	-0.6pp	12.2%	12.6%	12.6%	59%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	17 0 YoY 0 QoQ	-42	58	70	482	7%
Assets per Employee ($)	$6.2M +2.4% YoY +0.3% QoQ	-$1.3M	$7.5M	$7.1M	$8.8M	37%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	14.1% +3.0pp YoY +0.4pp QoQ	+1.9pp	12.2%	14.3%	11.6%	62%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	48%
Net Income ($, YTD)	$833,000 +42.2% YoY — QoQ	-$1.7M	$2.6M	$3.7M	$40.4M	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#98 of 162 • Bottom 59.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 9.82%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

511

Efficiency Ratio

profitability

Value: 51.14%

Peer Median: 64.48%

#511 of 2643 Top 19.3% in $100M-$1B

513

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.99%

#513 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (5 metrics)

2610

Total Assets

size

Value: $105.04M

Peer Median: $386.57M

#2610 of 2643 Bottom 1.3% in $100M-$1B

2589

Total Deposits

size

Value: $88.13M

Peer Median: $326.73M

#2589 of 2643 Bottom 2.1% in $100M-$1B

2470

Total Loans

size

Value: $67.86M

Peer Median: $258.35M

#2470 of 2643 Bottom 6.6% in $100M-$1B

2374

Non-Interest-Bearing Deposit Share

funding

Value: 9.82%

Peer Median: 22.03%

#2374 of 2643 Bottom 10.2% in $100M-$1B

2126

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2126 of 2643 Bottom 19.6% in $100M-$1B