The State Exchange Bank is a state-chartered bank headquartered in Mankato, Kansas, in business for about 139 years. At the end of Q2 2026 it reported $50.9M in total assets and $46.5M in deposits, with 1 office.
The State Exchange Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 152nd. Problem-loan coverage contributes the most (86/100, 7.2%); loan quality contributes the least (38/100, 1.85%).
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 7 points (58 → 65), mostly because the loan quality component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 58 |
| Q3 2025 | 63 |
| Q4 2025 | 60 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.91% |
| Q3 2024 | 13.33% |
| Q4 2024 | 12.38% |
| Q1 2025 | 12.08% |
| Q2 2025 | 12.84% |
| Q3 2025 | 13.34% |
| Q4 2025 | 12.23% |
| Q1 2026 | 12.06% |
| Q2 2026 | 12.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.51% |
| Q2 2025 | 2.67% |
| Q3 2025 | 2.48% |
| Q4 2025 | 1.84% |
| Q1 2026 | 2.08% |
| Q2 2026 | 1.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.09% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.95% |
| Q4 2025 | 0.71% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $50.9M | 12.25% | 1.85% | 1.22% | 36.2% |
| Q1 2026 | 67 | $46.8M | 12.06% | 2.08% | 1.51% | 36.2% |
| Q4 2025 | 60 | $55.8M | 12.23% | 1.84% | 0.71% | 33.4% |
| Q3 2025 | 63 | $42.5M | 13.34% | 2.48% | 0.95% | 43.2% |
| Q2 2025 | 58 | $43.6M | 12.84% | 2.67% | 0.86% | 39.4% |
| Q1 2025 | 75 | $46.1M | 12.08% | 0.51% | 0.85% | 34.4% |
| Q4 2024 | 75 | $50.4M | 12.38% | 0.46% | 0.82% | 34.1% |
| Q3 2024 | 82 | $41.5M | 13.33% | 0.51% | 1.09% | 44.1% |
| Q2 2024 | 82 | $40.5M | 12.91% | 0.46% | 1.20% | 42.3% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First State Bank of RansomBank Ransom, KS | 91 out of 100, Very strong | $48.9M | 20.1% | 0.34% | vs |
| Bank of GreeleyBank Greeley, KS | 86 out of 100, Very strong | $54.4M | 12.3% | 0.31% | vs |
| The Security State BankBank Wellington, KS | 79 out of 100, Strong | $55.1M | 15.6% | 1.44% | vs |
| Swedish-American State BankBank Courtland, KS | 83 out of 100, Strong | $55.5M | 13.8% | 0.93% | vs |
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
Deposit insurance
Is my money safe at The State Exchange Bank?
Yes. The State Exchange Bank is an FDIC-insured institution (FDIC certificate #17375). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.6% of deposits ($16.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.25%, 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
The State Exchange Bank lists 1 office in 1 city. Most locations:
- Mankato, KS (1)
Identity & history
Profile
- Legal name
- The State Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17375
- RSSD ID
- 571957
- Primary regulator
- FDIC
- Established
- November 1, 1887
- Headquarters
- 107 S Commercial St, Mankato, KS 66956
- Website
- www.stateexchange.net
- Employees
- 6
Quick answers
The State Exchange Bank: common questions
Is The State Exchange Bank FDIC insured?
Yes. The State Exchange Bank is an FDIC-insured institution (FDIC certificate #17375). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Exchange Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The State Exchange Bank ever failed?
There is no failure record for FDIC certificate #17375 in the FDIC failed bank list.
How many branches does The State Exchange Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mankato
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Swedish-American State BankBank Courtland, KS | 83 out of 100, Strong | $55.5M | 13.8% | 0.93% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Farmers and Merchants BankBank Milford, NE | 78 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |
| Farmers and Merchants BankBank Milligan, NE | 78 out of 100, Strong | $215.4M | 11.1% | 0.19% | vs |