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The Exchange State Bank

under $100M Specialty: Agricultural IA FDIC cert 16094

Designations: ✓ Community bank

Springville, IA

2 branches across IA

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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
  • Deposits +0.4% year over year ($47.9M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.02%.
  • Efficiency ratio 68.05% vs a 119.40% peer average.
  • Loan-to-deposit ratio 58.59% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 32 in IA
View under $100M leaderboard (IA) →

The Exchange State Bank has 2 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

  • + Efficiency Ratio 51.35% below tier average
  • + Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.13% below tier average
Get updates when The Exchange State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $52.7M
-0.1% YoY -4.0% QoQ
-$9.7M $62.4M
-0.0% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $28.1M
-4.3% YoY -2.1% QoQ
-$6.8M $34.9M
-0.6% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $47.9M
+0.4% YoY -4.4% QoQ
-$3.7M $51.6M
-0.2% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.02%
+41.9% YoY +14.6% QoQ
+0.02% 1.00%
+3.5% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.79%
+4.3% YoY +1.5% QoQ
-0.13% 3.91%
+2.3% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 68.05%
-10.8% YoY -4.6% QoQ
-51.35% 119.40%
+49.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.58%
+504.8% YoY -49.9% QoQ
-0.90% 1.48%
+31.8% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 58.59%
-4.7% YoY +2.4% QoQ
-15.62% 74.21%
+12.6% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 14.50%
-12.2% YoY +4.2% QoQ
-8.99% 23.49%
+0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.31%
+479.0% YoY -48.9% QoQ
-0.53% 0.84%
+23.0% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 9.51%
-18.5% YoY +5.5% QoQ
-17.61% 27.13%
+3.0% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 3.4% in tier
Non-Interest Income / Assets ? 0.17%
+30.5% YoY +64.4% QoQ
-1.21% 1.38%
+6.3% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
64%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 14.5%
-2.0pp YoY
+0.6pp QoQ
 -10.1pp 24.6% 17.8% 22.2% 18%
Brokered Deposits n/a n/a 9.8% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.6%
+2.4pp YoY
+1.4pp QoQ
 -2.9pp 13.4% 12.8% 12.5% 53%
CRE 11.8%
-0.7pp YoY
-1.2pp QoQ
 -13.5pp 25.2% 28.3% 41.4% 15%
1-4 Family 34.7%
-0.2pp YoY
+0.1pp QoQ
 -0.3pp 35.0% 23.0% 31.3% 55%
Consumer 5.3%
+0.6pp YoY
+0.8pp QoQ
 -2.4pp 7.7% 2.9% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 15.4% 19.7% n/a
Leverage Ratio 9.5%
+0.5pp YoY
+0.5pp QoQ
 -8.2pp 17.7% 12.4% 12.6% 13%
Total Capital Ratio n/a n/a 39.7% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 8
-1 (-11.1%) YoY
-1 (-11.1%) QoQ
 -4 12 64 482 29%
Assets per Employee ($) $6.6M
+12.4% YoY
+8.0% QoQ
 +$403K $6.2M $8.9M $8.8M 60%
Branch Count 2
0 YoY
0 QoQ
 +0 1 5 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.4% 0.4% n/a
Nonaccrual 0.6%
+0.5pp YoY
-0.6pp QoQ
 -1.2pp 1.7% 1.0% 1.0% 44%
Allowance Coverage 2.43x
-82.4% YoY
+100.1% QoQ
 -3.98x 6.41x 18.97x 20.23x 66%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.1%
+2.5pp YoY
+1.4pp QoQ
 +5.7pp 6.4% 12.8% 11.6% 72%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.4% 1.8% 1.7% 57%
Net Income ($, YTD) $273,000
+41.5% YoY
— QoQ
 -$45K $317,817 $4.0M $40.4M 48%

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).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

519
Tier 1 Capital Ratio
capital
Value: 9.51%
Peer Median: 27.13%
#519 of 536 Bottom 3.4% in under $100M
419
Non-Interest-Bearing Deposit Share
funding
Value: 14.50%
Peer Median: 23.49%
#419 of 536 Bottom 22.0% in under $100M
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