TellerScore

The Stock Exchange Bank, Caldwell, Kansas is a state-chartered bank (fed member) headquartered in Caldwell, Kansas, in business for about 145 years. At the end of Q2 2026 it reported $90.3M in total assets and $81.8M in deposits, with 2 offices.

The Stock Exchange Bank, Caldwell, Kansas has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 18% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 166th. Problem-loan coverage contributes the most (82/100, 9.0%); capital cushion contributes the least (40/100, 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.03%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 92.0% · 25.1% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.01%

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 6 points (66 → 60), mostly because the loan quality component weakened by 33 points.

TellerScore
455666Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202457
Q4 202456
Q1 202556
Q2 202566
Q3 202558
Q4 202558
Q1 202662
Q2 202660
Tier 1 leverage ratio
5.00%7.00%9.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.30%
Q3 20248.43%
Q4 20248.39%
Q1 20258.44%
Q2 20258.63%
Q3 20258.71%
Q4 20258.72%
Q1 20268.82%
Q2 20269.01%
Noncurrent loans
0.04%0.99%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.94%
Q3 20240.72%
Q4 20240.89%
Q1 20250.96%
Q2 20250.04%
Q3 20250.83%
Q4 20250.74%
Q1 20260.85%
Q2 20261.03%
Return on assets
0.86%1.16%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.93%
Q4 20240.86%
Q1 20250.97%
Q2 20250.97%
Q3 20251.02%
Q4 20250.99%
Q1 20261.45%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$90.3M9.01%1.03%1.31%92.0%
Q1 202662$94.5M8.82%0.85%1.45%86.2%
Q4 202558$90.0M8.72%0.74%0.99%95.2%
Q3 202558$89.5M8.71%0.83%1.02%89.0%
Q2 202566$85.2M8.63%0.04%0.97%89.9%
Q1 202556$85.8M8.44%0.96%0.97%88.9%
Q4 202456$86.1M8.39%0.89%0.86%92.2%
Q3 202457$84.5M8.43%0.72%0.93%96.3%
Q2 202445$82.0M8.30%1.94%0.87%90.5%

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).

Capital ratio9.01%
9th
Total risk-based capital15.31%
62nd
Problem loans1.03%
34th
Net charge-offs-0.04%
91st
Return on assets1.31%
68th
Net interest margin4.57%
76th
Efficiency ratio61.1%
71st
Loans to deposits92.0%
15th
Uninsured deposits25.1%
20th
Loan-loss reserves1.30%
58th
Texas ratio9.0%
21st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
The First National Bank of DightonBank Dighton, KS64 out of 100, Moderate$88.5M16.1%2.39%vs
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
The Farmers State BankBank Holton, KS83 out of 100, Strong$86.3M12.7%0.45%vs
The Farmers State BankBank Wathena, KS72 out of 100, Strong$84.7M13.6%1.74%vs
The Citizens State Bank and Trust CompanyBank Council Grove, KS75 out of 100, Strong$96.1M9.0%0.11%vs

Deposit insurance

Is my money safe at The Stock Exchange Bank, Caldwell, Kansas?

Yes. The Stock Exchange Bank, Caldwell, Kansas is an FDIC-insured institution (FDIC certificate #15784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($20.5M) 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 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.31% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The Stock Exchange Bank, Caldwell, Kansas lists 2 offices in 2 cities. Most locations:

  • Arkansas City, KS (1)
  • Caldwell, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Stock Exchange Bank, Caldwell, Kansas
Former names
The Stock Exchange Bank of Caldwell
Type
State-chartered bank (Fed member)
FDIC certificate #
15784
RSSD ID
671053
Primary regulator
FED
Holding company
Stock Exchange Financial Corp
Established
November 12, 1881
Headquarters
103 S Main St, Caldwell, KS 67022
Employees
14

Quick answers

The Stock Exchange Bank, Caldwell, Kansas: common questions

Is The Stock Exchange Bank, Caldwell, Kansas FDIC insured?

Yes. The Stock Exchange Bank, Caldwell, Kansas is an FDIC-insured institution (FDIC certificate #15784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Stock Exchange Bank, Caldwell, Kansas's TellerScore?

60 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 Stock Exchange Bank, Caldwell, Kansas ever failed?

There is no failure record for FDIC certificate #15784 in the FDIC failed bank list.

How many branches does The Stock Exchange Bank, Caldwell, Kansas have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Caldwell

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Grant County BankBank Medford, OK81 out of 100, Strong$58.4M15.6%0.12%vs
Impact BankBank Wellington, KS80 out of 100, Strong$167.2M10.6%0.03%vs
The Security State BankBank Wellington, KS79 out of 100, Strong$55.1M15.6%1.44%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs