BlastPoint's Banking Scorecard

Exchange State Bank

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

Saint Paul, KS

3 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Exchange State Bank demonstrates 4 strengths

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

+ ROA 0.26% above tier average
+ Net Interest Margin 0.52% above tier average
+ Efficiency Ratio 12.77% below tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Exchange State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$104.8M +3.1% YoY +0.7% QoQ	-$281.3M	$386.1M +0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	Bottom 1.7% in tier
Total Loans ?	$67.0M +16.9% YoY +2.6% QoQ	-$188.8M	$255.7M +1.1% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	Bottom 6.6% in tier
Total Deposits ?	$88.6M +2.3% YoY +0.4% QoQ	-$239.4M	$328.0M +0.0% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	Bottom 2.1% in tier
Return on Assets ?	1.53% +42.0% YoY +21.2% QoQ	+0.26%	1.27% +12.8% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	69%
Net Interest Margin ?	4.45% +21.3% YoY +12.6% QoQ	+0.52%	3.93% +6.0% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	52.52% -12.4% YoY -7.6% QoQ	-12.77%	65.29% -4.4% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	79%
Delinquency Rate ?	0.03% -75.9% YoY +94.9% QoQ	-0.86%	0.89% +18.9% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	75.56% +14.2% YoY +2.2% QoQ	-1.08%	76.64% +0.8% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	12.61% -4.9% YoY -8.6% QoQ	-9.41%	22.02% -0.9% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	16%
Nonperforming Asset Ratio ?	0.02% -72.7% YoY +98.6% QoQ	-0.62%	0.64% +19.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	84%
Tier 1 Capital Ratio ?	11.29% +8.5% YoY +2.7% QoQ	-4.54%	15.83% +1.5% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.05% -4.9% YoY -75.2% QoQ	-0.23%	0.28% +9.3% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	18%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

421

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#421 of 2664 Top 15.8% in $100M-$1B

446

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#446 of 2654 Top 16.8% in $100M-$1B

529

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.93%

#529 of 2664 Top 19.8% in $100M-$1B

553

Efficiency Ratio

profitability

Value: 52.52%

Peer Median: 65.29%

#553 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (5 metrics)

2620

Total Assets

size

Value: $104.77M

Peer Median: $386.08M

#2620 of 2664 Bottom 1.7% in $100M-$1B

2609

Total Deposits

size

Value: $88.62M

Peer Median: $327.97M

#2609 of 2664 Bottom 2.1% in $100M-$1B

2490

Total Loans

size

Value: $66.96M

Peer Median: $255.72M

#2490 of 2664 Bottom 6.6% in $100M-$1B

2230

Non-Interest-Bearing Deposit Share

funding

Value: 12.61%

Peer Median: 22.02%

#2230 of 2664 Bottom 16.3% in $100M-$1B

2184

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2184 of 2664 Bottom 18.1% in $100M-$1B