Exchange State Bank

BankAmes, Iowa
www.esb1.com

Total Assets

$146.3M

Total Deposits

$115.8M

Branches

3

Established

1902

TFS Health Grade

$
D+

67.5 / 100

Below average financial health

How we grade

Exchange State Bank is a bank headquartered in Ames, Iowa, established in 1902. With $146.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (67.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.45%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.35%

Profitability

Return on Assets (ROA)
1.88%(1%)
Return on Equity (ROE)
19.27%(10%)
Net Interest Margin
3.70%
Efficiency Ratio
45.98%(60%)

Lending & Liquidity

Total Loans
$124.6M
Loan-to-Deposit Ratio
106.73%
Net Charge-Off Ratio
-0.19%

Growth

Asset Growth (YoY)
+3.05%
Deposit Growth (YoY)
+0.69%
Net Income
$2.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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