Total Assets
$104M
Total balance-sheet footings
FDIC Cert #14556 · Saint Paul, Kansas · Est. 1914
The Exchange State Bank of St. Paul, Kansas - FDIC Bank Health Profile
A community-scale look at The Exchange State Bank of St. Paul, Kansas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $104M
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Exchange State Bank of St. Paul, Kansas earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.99% Tier 1, profitable at 1.26% ROA, efficient (57% cost ratio).
- #3,713
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 10.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Exchange State Bank of St. Paul, Kansas's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Exchange State Bank of St. Paul, Kansas's composite health score
Tier 1 Capital Ratio (10.99%) 28/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (0.07%) 20/20
Efficiency Ratio (56.82%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$88M
Customer-funded liabilities
Net Loans
$65M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Exchange State Bank of St. Paul, Kansas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Exchange State Bank of St. Paul, Kansas's score of 80/100 falls in the highlighted band.
The Exchange State Bank of St. Paul, Kansas's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Exchange State Bank of St. Paul, Kansas's $104M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.99%
Texas Ratio
0.07%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
11.86%
Efficiency Ratio
56.82%
What the numbers say about The Exchange State Bank of St. Paul, Kansas
The Exchange State Bank of St. Paul, Kansas is an FDIC-insured institution (Certificate #14556) headquartered in Saint Paul, Kansas, established in 1914. It holds $104M in total assets - 3,713th of 4,313 FDIC-insured banks, $88M in customer deposits, and $65M in net loans. On safety, its Tier 1 capital ratio of 10.99% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.07% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Exchange State Bank of St. Paul, Kansas ranks 137th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$200K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Exchange State Bank of St. Paul, Kansas reports a Texas Ratio of 0.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Exchange State Bank of St. Paul, Kansas (FDIC Cert #14556) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is The Exchange State Bank of St. Paul, Kansas's health grade?▼
The Exchange State Bank of St. Paul, Kansas receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Exchange State Bank of St. Paul, Kansas?▼
The Exchange State Bank of St. Paul, Kansas holds $104M in total assets and $88M in deposits, ranking 3,713th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Paul, Kansas.
Is my money safe at The Exchange State Bank of St. Paul, Kansas?▼
Yes, deposits at The Exchange State Bank of St. Paul, Kansas (Certificate #14556) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Exchange State Bank of St. Paul, Kansas's Tier 1 Capital Ratio?▼
The Exchange State Bank of St. Paul, Kansas has a Tier 1 Capital Ratio of 10.99%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Exchange State Bank of St. Paul, Kansas?▼
The Exchange State Bank of St. Paul, Kansas has a Texas Ratio of 0.07%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Exchange State Bank of St. Paul, Kansas?▼
The Exchange State Bank of St. Paul, Kansas has an Efficiency Ratio of 56.82%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Exchange State Bank of St. Paul, Kansas's profile as a depositor or analyst.
- The Exchange State Bank of St. Paul, Kansas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Exchange State Bank of St. Paul, Kansas against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.