Exchange State Bank is a state-chartered bank headquartered in Saint Paul, Kansas, in business for about 112 years. At the end of Q2 2026 it reported $105.0M in total assets and $88.1M in deposits, with 4 offices.
Exchange State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 35th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (66/100, 11.59%).
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 rose 6 points (78 → 84), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.46% |
| Q4 2024 | 10.18% |
| Q1 2025 | 10.41% |
| Q2 2025 | 10.63% |
| Q3 2025 | 10.75% |
| Q4 2025 | 10.99% |
| Q1 2026 | 11.29% |
| Q2 2026 | 11.59% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.87% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $105.0M | 11.59% | 0.00% | 1.59% | 77.0% |
| Q1 2026 | 83 | $104.8M | 11.29% | 0.03% | 1.53% | 75.6% |
| Q4 2025 | 80 | $104.0M | 10.99% | 0.01% | 1.26% | 73.9% |
| Q3 2025 | 79 | $104.0M | 10.75% | 0.00% | 1.21% | 70.3% |
| Q2 2025 | 78 | $102.6M | 10.63% | 0.06% | 1.15% | 66.9% |
| Q1 2025 | 77 | $101.6M | 10.41% | 0.11% | 1.07% | 66.2% |
| Q4 2024 | 74 | $101.0M | 10.18% | 0.13% | 0.87% | 65.6% |
| Q3 2024 | 75 | $98.5M | 10.46% | 0.13% | 0.82% | 67.5% |
| Q2 2024 | 76 | $96.9M | 10.46% | 0.00% | 0.78% | 68.2% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of KansasBank Burlington, KS | 67 out of 100, Moderate | $105.6M | 9.1% | 0.14% | vs |
| First National Bank in FredoniaBank Fredonia, KS | 87 out of 100, Very strong | $104.4M | 16.7% | 0.63% | vs |
| Citizens State Bank and Trust CompanyBank Hiawatha, KS | 95 out of 100, Very strong | $103.6M | 18.3% | 0.21% | vs |
| The First State Bank of HealyBank Healy, KS | 82 out of 100, Strong | $108.8M | 16.8% | 0.89% | vs |
| The Kansas State Bank Overbrook KansasBank Overbrook, KS | 82 out of 100, Strong | $101.2M | 13.2% | 0.70% | vs |
| First Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
Deposit insurance
Is my money safe at Exchange State Bank?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #14556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.5% of deposits ($11.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.59%, 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%).
4 locations
Branches
Exchange State Bank lists 4 offices in 4 cities. Most locations:
- Columbus, KS (1)
- Girard, KS (1)
- Prescott, KS (1)
- Saint Paul, KS (1)
Identity & history
Profile
- Legal name
- Exchange State Bank
- Former names
- South Mound State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14556
- RSSD ID
- 534859
- Primary regulator
- FDIC
- Holding company
- Southeast Ks Bancshares Inc
- Established
- September 26, 1914
- Headquarters
- 408 5th Street, Saint Paul, KS 66771
- Website
- www.esbks.com
- Employees
- 17
Quick answers
Exchange State Bank: common questions
Is Exchange State Bank FDIC insured?
Yes. Exchange State Bank is an FDIC-insured institution (FDIC certificate #14556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange State Bank's TellerScore?
84 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 #14556 in the FDIC failed bank list.
How many branches does Exchange State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Paul
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples State BankBank Cherryvale, KS | 89 out of 100, Very strong | $23.5M | 19.8% | 0.33% | vs |
| Home Savings BankBank Chanute, KS | 86 out of 100, Very strong | $115.1M | 16.7% | 0.12% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |