Exchange State Bank
Adair, IA
IDRSSD: 787141
Total Assets
$33.47M
Latest filing
Total Deposits
$27.14M
Latest filing
Net Interest Margin
2.57%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1879 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50002 |
| State and County Number | 19001 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 7 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/22/2024 |
| Date of Deposit Insurance | 07/18/1963 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 18838 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $33.47M |
| Total Deposits | $27.14M |
| Total Liabilities | $27.75M |
| Total Equity Capital | $5.72M |
| Net Income | $-39,000 |
| Net Loans and Leases | $15.38M |
| Assets Per Employee ($Millions) | $4.78M |
| Bank Premises and Fixed Assets | $257.00k |
| Cash and Balances due from Depository Institutions | $5.91M |
| Deposits Held in Domestic Offices | $27.14M |
Key Performance Ratios
| Return on Assets (ROA) | -0.46% |
| Return on Equity (ROE) | -2.76% |
| Net Interest Margin | 2.57% |
| Efficiency Ratio | 117.15% |
| Tier 1 Risk-Based Capital Ratio | 29.031% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.089% |
| Earning Assets to total Assets | 91.59% |
Income and Expense
| Total Interest Income | $333.00k |
| Total Noninterest Income | $37.00k |
| Total Interest Expense | $131.00k |
| Total Noninterest Expense | $280.00k |
| Net Interest Income | $202.00k |
| Pre-tax Net Operating Income | $-41,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $500.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $106.00k |
| Total Liabilities and Capital | $33.47M |
Securities
| Securities | $10.08M |
| Available-for-sale debt securities | $10.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Exchange State Bank?
$33.47M as of the latest filing.
How much are Exchange State Bank's total deposits?
$27.14M in total deposits.
Where is Exchange State Bank located?
Adair, IA.
What is the Net Interest Margin?
2.57%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1879.
What is the Return on Assets (ROA)?
-0.46%.
How much are total loans and leases?
$15.38M (latest filing).
What is the total interest income (latest filing)?
$333.00k.