BlastPoint's Banking Scorecard
The Exchange State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 16094
Designations: ✓ Community bank
Springville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The Exchange State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.9M
-3.0% YoY
+1.4% QoQ
|
-$164.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$29.2M
-9.2% YoY
+0.9% QoQ
|
-$110.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$48.1M
+2.0% YoY
+3.4% QoQ
|
-$135.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.70%
+94.2% YoY
+2.8% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.64%
+23.2% YoY
+0.4% QoQ
|
-0.21% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
76.67%
-9.1% YoY
-0.5% QoQ
|
+8.95% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
60.63%
-11.0% YoY
-2.4% QoQ
|
-13.89% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
14.98%
+3.6% YoY
-9.7% QoQ
|
-7.42% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
+63.1% YoY
+49.8% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.63% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.67% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.98% · Tier avg: 22.39%
10
10th pctile
Total Loans
Current: $29.2M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.1M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $52.9M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $52.9M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.1M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $29.2M · Tier avg: $139.2M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.98% · Tier avg: 22.39%
26
26th pctile
Efficiency Ratio
Current: 76.67% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.63% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%