Exchange State Bank: how it compares with its peers
Against 74 KS banks with half to twice its assets, Exchange State Bank's strongest measure in Q2 2026 is net interest margin (4.53% vs. a 3.95% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $7.2M).
| Measure | Exchange State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.39% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.53% | 3.95% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.14% | 59.04% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $7.2M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.00% | 70.83% | Context |
What it means for lending operations
Its efficiency ratio of 51.14% is better than the 59.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank of Kansas Burlington, KS · $106M
- First National Bank in Fredonia Fredonia, KS · $104M
- Citizens State Bank and Trust Company Hiawatha, KS · $104M
- The First State Bank of Healy Healy, KS · $109M
- The Kansas State Bank Overbrook Kansas Overbrook, KS · $101M
- First Federal Savings and Loan Bank Olathe, KS · $109M
Questions about Exchange State Bank
How big is Exchange State Bank?
Exchange State Bank, established in 1914, is headquartered in Saint Paul, KS. It reported $105M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Exchange State Bank's return on assets?
1.59% annualized in Q2 2026, against a 1.39% median for 74 KS banks with half to twice its assets, ahead of 62% of them.
What is Exchange State Bank's efficiency ratio?
51.14% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 59.04%, and lower is better.
Is Exchange State Bank growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.