# EXCHANGE STATE BANK
SAINT PAUL, KS · FDIC certificate 14556 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $105.0M | |
| Deposits | $88.1M | |
| Loans and leases | $68.8M | |
| Total equity | $12.2M | |
| Loans / deposits | 77.00% (p57 of band) | 73.59% |
| Liquid assets / assets | 31.12% (p47 of band) | |
| Uninsured deposits / deposits | 12.48% (p22 of band) | 19.81% |
| Brokered deposits | 2.98% | |
| Wholesale funding | 6.92% (p78 of band) | |
| FHLB advances / assets | 3.94% | |
| Tier 1 leverage | 11.59% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -1.45% (p73 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.59% (p72 of band) | 1.17% |
| Net interest margin | 4.53% (p77 of band) | 3.93% |
| Efficiency ratio | 51.14% (p16 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 0.69% (p20 of band) | |
| Auto loans | $1.5M (2.12% of loans; DQ 0.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, charge-offs p90 |  |
| 2011-06 | 0 |  | leverage <7%, losing money, charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 | assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | assets shrinking |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-09-11 [Obituary for Anita "Sue" Johnson - Brenner Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5wXzAxc3A1Z2JsdWZlR0p0VXlsVDhCem1nb09oSExVQVdqanJTa2RlWjJzMEZVdThjS3JFVG1mdV9WNGJjT05KQzBOT0N1VXliOVlYcWtfUzFCcGRVNGNQRTJ1SWo?oc=5) · Brenner Mortuary
- 2021-02-16 [Jordan Charles McClintick - koamnewsnow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPbWc0OW1tTF9mdjNnZ2dwUGt0Y3NLNFM0TTJmRmNNaVY4QlZXLXhnLXlJOUNiYVlhaU5OYnlPeWd4dlp4R3RGZG1nUUt6NmprTkstNEp2RUU2OXJlWi1BWl9qUVZJYm1FbVdxbnRlRlpHOW80QUhsNlA1dVRmbU1KY0IwLTJUYUVZS3NmY0puX1g0ZWMtLWFGcmpLbDJlRXNqdXVHRHZTSkd3UWE1NGlvUWdqWFM?oc=5) · koamnewsnow.com
- 2014-10-03 [Frank Dunnick Obituary (1941 - 2014) - Arma, KS - Morning Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQW5nb1dTVHZtU2NjY1BnVXhjM1lVZkhQLXpEaFJPQldNbE85UzBhdkE1bFJOTDV3OFVnYmVVWXNyUHlIQ0JUeWVzR2R3cTdlWGZhd0JVenJhRUVVS2Q5ODU5cnh6dExNR2JaU2RpZllfSXlYS0I4WmNLZnNLWEJBY0RTb0EtTmZObFM0R3pRQzE?oc=5) · legacy.com
- 2018-06-15 [The Tribune's entire A-to-Z look back at La Crosse area history - Chippewa Herald](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMVQ5R2RLeUFQX3Y4WWI2dk5xbV9uVkc3ZzVqX3NHN29CVzZ1c3RXeU16Z0NYQ0l3d09hb0NEMVgtaFRGXzBYa090dWM1ZW55WFEzbnZrTHc3NkFYR2Q3akVQb1doMDc2cFpydElteFM3UVBYSW8wRE4xUzRYczVibkhiRFpNblk3bU9TNg?oc=5) · Chippewa Herald
- 2023-08-19 [Ida Oglesby Obituary (2016) - Zearing, IA - Fredregill Funeral & Cremation Care - Zearing - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNLTkydlpERENsUS0yS1RpZlZmblgybTFBV3FzZ1NUVGJZV1RjaUNpZXBSdktXWkVPNElJR29vR05tWGV6SVdPaXpuTWZWVjhycVFiRGg4QXZjZk1TM2RiWjhORm9vMV9qX2F2eVNvWGxrdWp1ajdSdkxJYUNDUXI3OER3?oc=5) · legacy.com
- 2013-12-12 [Rachel Slavens Obituary (2013) - Sapulpa, OK - Morning Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPelh0UWlVdXdrN0M0ck1lX001MXNacnNHYU1lZDl6WmVObHRtcGF2WFpRcVdBRG0ybUJEM2diS3JGb0hMbHhNSTJBRmZKUF9RdTdWZ2E2NVFBQTN3Ym9HZEQxUHdNdGFyS0ZvbXFwRUt5cGVjNzZ1VHZORk9pVkZFNXNleF9aRTlyUDhVcnFId3k?oc=5) · legacy.com
- 2024-01-30 [Joseph James "Jay" O'Brien Obituary (2024) - St Paul, KS - Carson-Wall Funeral Home - St. Paul - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZHpLLUFYVXY3eFA0OGJIeVZmNjdHV3I5bnRJOWI2cXAzczRBT0Yxb2c4T1pSeHo1ZF9Ld0VLOHM2a0t1ZUdRd1ZCZVljRFRUcUNPbVV5YmNCbmxIYTNsMDdlOVpKMHl4WUN2QVVld25RSURlSlFnQ196bDlxcnp6cmZzSQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14556 (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/28.json (key "14556", 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