The Exchange State Bank of St. Paul, Kansas
Saint Paul, KS
IDRSSD: 534859
Total Assets
$104.02M
Latest filing
Total Deposits
$88.25M
Latest filing
Net Interest Margin
4.30%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Exchange State Bank of St. Paul, Kansas
408 5th Street
Saint Paul, KS 66771
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/26/1914FDIC Certificate 9095
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Exchange State Bank of St. Paul, Kansas (Main) | 408 5th Street | Saint Paul, KS |
| GIRARD BRANCH | 108 E Saint John St | Girard, KS |
| COLUMBUS BRANCH | 209 N East Ave | Columbus, KS |
Showing 2 of 2
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/26/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66771 |
| State and County Number | 20133 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 07/06/1934 |
| Primary Insurance Agency | DIF |
| Website | www.esbks.com |
| Data Updated | 01/30/2026 |
| CERT | 14556 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $104.02M |
| Total Deposits | $88.25M |
| Total Liabilities | $92.53M |
| Total Equity Capital | $11.49M |
| Net Income | $362.00k |
| Net Loans and Leases | $65.26M |
| Assets Per Employee ($Millions) | $6.12M |
| Bank Premises and Fixed Assets | $626.00k |
| Cash and Balances due from Depository Institutions | $13.90M |
| Deposits Held in Domestic Offices | $88.25M |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 12.77% |
| Net Interest Margin | 4.3% |
| Efficiency Ratio | 56.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.05% |
| Earning Assets to total Assets | 93.96% |
Income and Expense
| Total Interest Income | $1.48M |
| Total Noninterest Income | $47.00k |
| Total Interest Expense | $424.00k |
| Total Noninterest Expense | $623.00k |
| Net Interest Income | $1.06M |
| Pre-tax Net Operating Income | $468.00k |
| Provision for Credit Losses | $12.00k |
| 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 | $3.61M |
| Federal Funds Sold & Reverse Repurchase Agreement | $802.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $665.00k |
| Total Liabilities and Capital | $104.02M |
Securities
| Securities | $19.46M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $19.46M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Exchange State Bank of St. Paul, Kansas?
$104.02M as of the latest filing.
How much are The Exchange State Bank of St. Paul, Kansas's total deposits?
$88.25M in total deposits.
Where is The Exchange State Bank of St. Paul, Kansas located?
Saint Paul, KS.
What is the Net Interest Margin?
4.30%.
How many domestic offices does it operate?
3.
When was it established?
09/26/1914.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$65.26M (latest filing).
What is the total interest income (latest filing)?
$1.48M.