The Exchange State Bank (FDIC certificate #16094) is based in Springville, Iowa. Its Q2 2026 call report shows $52.7M in total assets and $47.9M in deposits and 2 offices.
Based on its Q2 2026 filing, The Exchange State Bank scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 142nd. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 10% uninsured), and its lowest is capital cushion (45/100; 9.51%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 47 |
| Q4 2024 | 48 |
| Q1 2025 | 66 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 62 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.22% |
| Q4 2024 | 8.54% |
| Q1 2025 | 8.64% |
| Q2 2025 | 8.98% |
| Q3 2025 | 9.08% |
| Q4 2025 | 9.14% |
| Q1 2026 | 9.02% |
| Q2 2026 | 9.51% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.80% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.00% |
| Q1 2026 | 1.13% |
| Q2 2026 | 0.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.89% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $52.7M | 9.51% | 0.57% | 1.02% | 58.6% |
| Q1 2026 | 62 | $54.9M | 9.02% | 1.13% | 0.89% | 57.2% |
| Q4 2025 | 72 | $52.9M | 9.14% | 0.00% | 0.70% | 60.6% |
| Q3 2025 | 71 | $52.2M | 9.08% | 0.10% | 0.68% | 62.1% |
| Q2 2025 | 71 | $52.8M | 8.98% | 0.09% | 0.72% | 61.5% |
| Q1 2025 | 66 | $53.7M | 8.64% | 0.48% | 0.83% | 62.5% |
| Q4 2024 | 48 | $54.6M | 8.54% | 1.80% | 0.36% | 68.1% |
| Q3 2024 | 47 | $56.4M | 8.22% | 1.77% | 0.32% | 70.8% |
| Q2 2024 | 65 | $56.3M | 8.52% | 0.17% | 0.39% | 64.6% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| Montezuma State BankBank Montezuma, IA | 68 out of 100, Moderate | $54.6M | 14.9% | 6.94% | vs |
| Benton County State BankBank Blairstown, IA | 87 out of 100, Very strong | $50.8M | 15.2% | 0.00% | vs |
| Palo Savings BankBank Palo, IA | 81 out of 100, Strong | $49.2M | 11.7% | 0.19% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Defiance State BankBank Defiance, IA | 68 out of 100, Moderate | $42.6M | 9.9% | 0.08% | vs |
Deposit insurance
Is my money safe at The Exchange State Bank?
Yes. The Exchange State Bank is an FDIC-insured institution (FDIC certificate #16094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.5% of deposits ($5.0M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.51%, 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%).
2 locations
Branches
The Exchange State Bank lists 2 offices in 2 cities. Most locations:
- Martelle, IA (1)
- Springville, IA (1)
Identity & history
Profile
- Legal name
- The Exchange State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16094
- RSSD ID
- 362043
- Primary regulator
- FDIC
- Holding company
- Country Bcorp
- Established
- January 1, 1934
- Headquarters
- 253 Broadway St, Springville, IA 52336
- Website
- www.exchangestatebank.net
- Employees
- 8
Quick answers
The Exchange State Bank: common questions
Is The Exchange State Bank FDIC insured?
Yes. The Exchange State Bank is an FDIC-insured institution (FDIC certificate #16094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Exchange State Bank's TellerScore?
70 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 The Exchange State Bank ever failed?
There is no failure record for FDIC certificate #16094 in the FDIC failed bank list.
How many branches does The Exchange State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metco Credit UnionCredit union Cedar Rapids, IA | 92 out of 100, Very strong | $58.7M | 18.8% | 0.70% | vs |
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |