Exchange State Bank is a state-chartered bank headquartered in Ames, Iowa, in business for about 124 years. At the end of Q2 2026 it reported $146.0M in total assets and $117.5M in deposits, with 3 offices.
Exchange State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 128th. Earnings contributes the most (99/100, 1.97%); funding & liquidity contributes the least (46/100, 103% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (78 → 71), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 77 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 73 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.64% |
| Q4 2024 | 10.03% |
| Q1 2025 | 10.34% |
| Q2 2025 | 10.91% |
| Q3 2025 | 11.03% |
| Q4 2025 | 10.45% |
| Q1 2026 | 10.87% |
| Q2 2026 | 11.17% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.76% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.88% |
| Q1 2026 | 2.02% |
| Q2 2026 | 1.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $146.0M | 11.17% | 1.00% | 1.97% | 103.4% |
| Q1 2026 | 71 | $146.4M | 10.87% | 0.96% | 2.02% | 102.7% |
| Q4 2025 | 73 | $146.3M | 10.45% | 0.35% | 1.88% | 106.7% |
| Q3 2025 | 78 | $142.6M | 11.03% | 0.00% | 1.84% | 115.3% |
| Q2 2025 | 78 | $137.9M | 10.91% | 0.00% | 1.78% | 106.6% |
| Q1 2025 | 75 | $145.7M | 10.34% | 0.00% | 1.63% | 99.7% |
| Q4 2024 | 75 | $141.9M | 10.03% | 0.00% | 1.71% | 103.0% |
| Q3 2024 | 77 | $138.8M | 10.64% | 0.00% | 1.76% | 110.3% |
| Q2 2024 | 78 | $135.6M | 10.68% | 0.00% | 1.79% | 109.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank PlusBank Estherville, IA | 72 out of 100, Strong | $144.6M | 10.7% | 0.00% | vs |
| Farmers Trust & Savings BankBank Earling, IA | 77 out of 100, Strong | $148.1M | 9.0% | 0.00% | vs |
| Readlyn Savings BankBank Readlyn, IA | 66 out of 100, Moderate | $148.3M | 19.3% | 3.04% | vs |
| First State BankBank Belmond, IA | 67 out of 100, Moderate | $141.7M | 11.2% | 0.92% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| Bridge Community BankBank Mount Vernon, IA | 74 out of 100, Strong | $141.1M | 10.5% | 0.03% | vs |
Deposit insurance
Is my money safe at Exchange State Bank?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #10132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($29.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Exchange State Bank lists 3 offices in 3 cities. Most locations:
- Ames, IA (1)
- Collins, IA (1)
- Exira, IA (1)
HMDA 2025
Mortgage lending
In 2025, Exchange State Bank reported 56 home-loan applications under HMDA (LEI 254900ORL3AOAHZ46F19): 54 originated ($7,380,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Exchange State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10132
- RSSD ID
- 805045
- Primary regulator
- FDIC
- Holding company
- Mid America Banks Inc
- Established
- January 1, 1902
- Headquarters
- 823 Wheeler St, Ames, IA 50010
- Website
- www.esb1.com
- Employees
- 12
Quick answers
Exchange State Bank: common questions
Is Exchange State Bank FDIC insured?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #10132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange State Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Exchange State Bank ever failed?
There is no failure record for FDIC certificate #10132 in the FDIC failed bank list.
How many branches does Exchange State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ames
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| Community State BankBank Ankeny, IA | 76 out of 100, Strong | $1.7B | 11.7% | 0.19% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |