Bank · FDIC insured
Exchange State Bank
A $146M bank headquartered in Ames, IA, with 3 branches in Iowa. Best rates: CDs 4.25% and savings 0.50% APY.
Exchange State Bank Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#11 of 20 in Ames, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Exchange State Bank
Exchange State Bank is a locally owned community bank established in Collins, Iowa in 1902.
The bank has expanded over the years and operates branch locations in Ames and Exira, Iowa.
- Headquarters
- 823 Wheeler St, Ames, IA 50010
- FDIC certificate
- 10132 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Ames area · 2
- Exchange State BankMain office823 Wheeler St, Ames, IA 50010Directions
- Collins Branch104 Main St, Collins, IA 50055Directions
Exira area · 1
- Exira Exchange Branch207 E Washington St, Exira, IA 50076Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.98% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $104 | $81 | — |
- CapitalLeverage ratio11.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.98%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$104Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Exchange State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.