Exchange State Bank is a state-chartered bank headquartered in Lanark, Illinois, in business for about 148 years. At the end of Q2 2026 it reported $112.7M in total assets and $98.6M in deposits, with 1 office.
Exchange State Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 48th. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (65/100, 11.47%).
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 2 points (85 → 83), mostly because the funding & liquidity component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 82 |
| Q4 2024 | 81 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 83 |
| Q4 2025 | 80 |
| Q1 2026 | 83 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.78% |
| Q3 2024 | 11.63% |
| Q4 2024 | 11.84% |
| Q1 2025 | 11.96% |
| Q2 2025 | 11.92% |
| Q3 2025 | 11.54% |
| Q4 2025 | 11.50% |
| Q1 2026 | 11.39% |
| Q2 2026 | 11.47% |
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| 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 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $112.7M | 11.47% | 0.05% | 1.54% | 62.2% |
| Q1 2026 | 83 | $112.3M | 11.39% | 0.00% | 1.40% | 62.3% |
| Q4 2025 | 80 | $109.1M | 11.50% | 0.00% | 1.07% | 65.9% |
| Q3 2025 | 83 | $111.6M | 11.54% | 0.00% | 1.29% | 61.6% |
| Q2 2025 | 85 | $112.7M | 11.92% | 0.00% | 1.29% | 57.3% |
| Q1 2025 | 85 | $103.9M | 11.96% | 0.00% | 1.25% | 62.9% |
| Q4 2024 | 81 | $109.9M | 11.84% | 0.00% | 1.04% | 62.3% |
| Q3 2024 | 82 | $109.3M | 11.63% | 0.00% | 1.17% | 58.9% |
| Q2 2024 | 83 | $105.9M | 11.78% | 0.00% | 1.18% | 63.4% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| Central Savings, f.s.b.Bank Chicago, IL | 75 out of 100, Strong | $111.9M | 25.5% | 0.57% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
| Midland Federal Savings and Loan AssociationBank Bridgeview, IL | 51 out of 100, Below average | $111.2M | 8.5% | 1.00% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| The State Bank of GenevaBank Geneva, IL | 75 out of 100, Strong | $116.2M | 11.8% | 0.16% | vs |
Deposit insurance
Is my money safe at Exchange State Bank?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #12402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($24.7M) 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 11.47%, 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%).
1 location
Branches
Exchange State Bank lists 1 office in 1 city. Most locations:
- Lanark, IL (1)
Identity & history
Profile
- Legal name
- Exchange State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12402
- RSSD ID
- 769334
- Primary regulator
- FDIC
- Holding company
- Lanark Bancshares Inc
- Established
- April 6, 1878
- Headquarters
- 126 N Broad St, Lanark, IL 61046
- Website
- www.lanarkbank.com
- Employees
- 11
Quick answers
Exchange State Bank: common questions
Is Exchange State Bank FDIC insured?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #12402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange State Bank's TellerScore?
83 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 #12402 in the FDIC failed bank list.
How many branches does Exchange State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lanark
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Select Employees Credit UnionCredit union Sterling, IL | 86 out of 100, Very strong | $78.6M | 12.6% | 0.26% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |