Exchange State Bank (FDIC #14556): Bank Stress & Real-Estate Credit Exposure

Exchange State Bank (FDIC Cert #14556): bank stress 53/100, moderate, STABLE over 7 days; parent SOUTHEAST KS BANCSHARES INC.

Exchange State Bank (#14556) lends in 3 counties across 1 state; Exchange State Bank (#14556) reaches 33 ZIP codes: Kansas 3 counties, 33 ZIPs.

Exchange State Bank (#14556) largest markets: Crawford County, KS (15 branches, 15 ZIPs) (#14556), Cherokee County, KS (13 branches, 13 ZIPs) (#14556), Neosho County, KS (11 branches, 11 ZIPs) (#14556).

Exchange State Bank (#14556) reports $105.0 million in total assets; Exchange State Bank (#14556) equity $12.2 million (11.6% of Exchange State Bank (#14556) assets); Exchange State Bank (#14556) domestic deposits $88.1 million; Exchange State Bank (#14556) net income $833,000; Exchange State Bank (#14556) return on assets 1.59%; Exchange State Bank (#14556) return on equity 14.05%; Exchange State Bank (#14556) net interest income $2.2 million; Exchange State Bank (#14556) call report June 30, 2026.

Exchange State Bank (#14556) noncurrent real-estate loans: none reported; Exchange State Bank (#14556) net charge-offs on real estate 0.00%.

Exchange State Bank (#14556) net interest margin 4.53% against an eight-quarter Exchange State Bank (#14556) average of 3.87% (Exchange State Bank (#14556) compression -0.66 points); Exchange State Bank (#14556) rate-exposure score 40/100, Exchange State Bank (#14556) fixed-rate trap 40/100; Exchange State Bank (#14556) risk type credit driven; Exchange State Bank (#14556) rate regime rates elevated, Exchange State Bank (#14556) snapshot October 19, 2026.

Exchange State Bank (#14556) stress score moved from 54.1 on June 22, 2026 to 52.9 on October 19, 2026; Exchange State Bank (#14556) ranged 52.9 to 54.1 over 116 snapshots.

Exchange State Bank (#14556) alerts: 3 counties; top Exchange State Bank (#14556) alert scores: Columbus County, KS 19 (low); Girard County, KS 19 (low); Saint Paul County, KS 19 (low).