# EXCHANGE STATE BANK
LANARK, IL · FDIC certificate 12402 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $112.7M | |
| Deposits | $98.6M | |
| Loans and leases | $62.0M | |
| Total equity | $10.5M | |
| Loans / deposits | 62.18% (p33 of band) | 73.59% |
| Liquid assets / assets | 42.45% (p68 of band) | |
| Uninsured deposits / deposits | 25.02% (p68 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.86% (p64 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 11.47% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -24.08% (p19 of band) | -6.57% |
| AOCI / equity | -1.60% (p16 of band) | |
| ROA (annualized) | 1.54% (p69 of band) | 1.17% |
| Net interest margin | 3.24% (p19 of band) | 3.93% |
| Efficiency ratio | 55.94% (p25 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1929.41% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 17.87% (p50 of band) | |
| Auto loans | $1.0M (1.62% of loans; DQ 3.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | wholesale funding >15%, capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 | deposits shrinking | wholesale funding >15% |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2017-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 | capital falling | reserve under noncurrent |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 2 | capital falling | uninsured deposits leaving |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 5 | securities losses >30% of equity, charge-offs p90, assets shrinking | capital falling |
| 2022-09 | 3 |  | NIM <2.5%, charge-offs p90 |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 3 | capital falling, charge-offs p90 |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity, charge-offs p90 |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity, uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-04-07 [Husband and wife accused of driving getaway cars after Iowa bank robbery - WQAD](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQQ3NuLTFnYmFIa29HMUNBY3U3dGhFQUlzYUhFY0xpbU5rMkxGYU5zMWwtSm5NSjZOZUdJWXQta0djS0tBaXVYTnk0T2xfeENGNGRSWXZ6R01TN0xlZW0yeFlhOVhEWTNuWGZzRENYV3NSOXZWRVJobkl5MVFoR1RwVERRMzFoTEZpRDFXUWNCSDBIQXY0VjA2Q20wVFdrZWZpOGc4Znkxd1loUVR1dWJicEJHY0hJb0g2UkF0NlVkenJUdTFBbFZ6b3FzdTgyN2NWYlNZR0Q1VHM2UmgweVk1MFJpVEZ4cElq?oc=5) · WQAD
- 2025-06-24 [Margaret L. Metcalf - downingandlahey.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9KU04wRzlyOVltNk52VGpidnJsWnRDX29yS0haNlF3NWJVa1JfVlNOZEdNUlI2LWxOZHNmenBfWGdGWlpib0RQRVJraHFWUzNuY2lPNVE1enR5T29mb2IzVzladw?oc=5) · downingandlahey.com
- 2023-04-14 [Mercedes Madison Stehl Obituary Apr 14, 2023 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1kYkRtb184a0wyUGtEbTR2NUFRcGpBeWlWU1lRemJfSjlUdHVSVEk0cHpzMlhIVXRNOVNxYlc1c0Q4MklUR1VycjlJQWhPRnJxc3pyNnJhTVFyalh6QzBxLUtjZGtjVXdvYkVPNWx3?oc=5) · lawjonesfuneralhome.com
- 2022-02-05 [David Gene Best Obituary Feb 5, 2022 - Schmidt Family Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE1ZcjVCazhzNzVqOS1fc1lmRnFremxxMmxMdDlmRHN0c0pvVUR5SHRET0x1a1BSNG50dy1zRVBJUnFuREd4N1dEX1N3TGMtQ2RKLWlsX0RfQ2oyMktJZF9GTXhidzJqNS1xNVE?oc=5) · Schmidt Family Funeral Homes
- 2015-10-22 [Four family members sentenced in Martelle bank robbery - thegazette.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOMHR0Vy11SmFkSUIyUi00MmdFY2VFZnVmWFFWYjJQTW9qYWR2dVlYXzBYYnZPY3NpSGUxcGp2VU1ucWFsTUpnd0lvWXA3X1VjTUVra3BHWGs0clNEU05JdHBGb2w2a21lUXRJempWYndGWkJZRUFEV2hYNTlpOS1rOGtIX2xtMklKcndzMUUxN3hpbmVuN2lidHhJY0ZCdHpVaklVUWpKNFlZUGF0d1g5MmhFM1FORGZ4U1RnSjJCTmlLSHNqRWJmSzAwbHRTU1NidFE?oc=5) · thegazette.com
- 2017-04-28 [Debra R. Larem Obituary Apr 28, 2017 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFA2SlZzNW4tanBRanV2Q0gxOFFPTnJDUFdZeXp4Wno2UXJlSmpPZG9SdUtpdHQteXpCT1dCZUg1Z2ZMSFg2SGRDOEthd3BhUVpzenQ5ZmRDRmNldjF1akItLUktaTNRYW1LUEE?oc=5) · lawjonesfuneralhome.com
- 2010-04-25 [ENGAGEMENTS: Jessica Atherton, Matthew Zumdahl - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQOUV3THV4ZEY4VUU4NnZTbm1QRFF4S1BXb1Z1a3dOVFJDTldrQWF1R3FUVVhPcnVDTDZjOUlNc2FPWXZhNXJGOWdxWTFjSzFmWEJNMVA0OTR0WTZXME1kbjUyNVU4a2Q2ZFFtbFVfdVhVblR0X0RCTXZMVHpDU3VRclphOWpRbGw1WVNiNVl3T21QQUhsSGo2UFNxb2xZdG10eVhIeV81MWR2M3B3QmZZMEdRUDA3ZE5oWE5mRGlVejBjbXpldFVrRA?oc=5) · Freeport Journal-Standard
- 2024-06-12 [Calvin Wayne Enfield Obituary (2024) - Nevada, IA - Rasmusson-Ryan Funeral Home & Crematory - Nevada - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQUHJ6Ukt6bUZuQ0I3VjZfd2x3VXhDb3pLNTB1emcyZ2JFS3RQU0d2NXpRSF90UHdxVmlUd01QT01HaUlsS05YamJBcmRRaDNMeWNCWWRXUm5YWmZ3N0ZxRXBFdmhMMW5DNmRoYk9lS1p6MGE5OXRWTS1xbGFSZEFSUUZfRQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12402 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "12402", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide