Exchange State Bank is a bank based in Saint Paul, Kansas, established in 1914, with $105 million in total assets across 3 branches. By Trust Grade it ranks 11th of 186 banks we track in Kansas. Its capital ratio of 11.3% is stronger than 66% of similarly sized banks, versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.53% return on assets. No consumer complaints against Exchange State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Exchange State Bank compares to Kansas peers
How we graded Exchange State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.3% capital ratio)
- Strongly profitable (ROA 1.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Exchange State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 108 E Saint John St, Girard, KS 66743
- 209 N East Ave, Columbus, KS 66725
- 408 5th Street, Saint Paul, KS 66771
Are deposits at Exchange State Bank insured?
Yes. Exchange State Bank is an FDIC-insured bank (FDIC certificate #14556). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Exchange State Bank: frequently asked questions
Is Exchange State Bank a good bank?
Exchange State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.3% capital ratio); Strongly profitable (ROA 1.53%).
Is Exchange State Bank FDIC-insured?
Yes. Exchange State Bank is a FDIC-insured bank (FDIC certificate #14556). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Exchange State Bank?
Exchange State Bank holds $105 million in total assets, ranking 11th of 186 banks we track in Kansas. It operates 3 branches.
Does Exchange State Bank have CFPB complaints?
No CFPB complaints against Exchange State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
