BlastPoint's Banking Scorecard
Exchange State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 10132
Designations: ✓ Community bank
Ames, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Exchange State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.75% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.20% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.3M
+3.1% YoY
+2.6% QoQ
|
-$71.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$123.6M
+4.3% YoY
+2.1% QoQ
|
-$15.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$115.8M
+0.7% YoY
+10.4% QoQ
|
-$67.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.88%
+10.0% YoY
+2.4% QoQ
|
+0.80% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.70%
+5.0% YoY
+1.0% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
45.98%
-3.3% YoY
-1.9% QoQ
|
-21.75% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.35% | -0.29% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
106.73%
+3.6% YoY
-7.5% QoQ
|
+32.20% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.66%
+4.5% YoY
+3.5% QoQ
|
-1.73% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? | 0.30% | -0.16% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
+14.4% YoY
+28.4% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.98%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
106.73%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 45.98% · Tier avg: 67.73%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
51
51th pctile
Total Loans
Current: $123.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.66% · Tier avg: 22.39%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
37
37th pctile
Total Assets
Current: $146.3M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $115.8M · Tier avg: $183.7M
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.73% · Tier avg: 74.53%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.73% · Tier avg: 74.53%
34
34th pctile
Total Deposits
Current: $115.8M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $146.3M · Tier avg: $217.5M
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.66% · Tier avg: 22.39%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Loans
Current: $123.6M · Tier avg: $139.2M
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.98% · Tier avg: 67.73%