Chartered in June 1901, Exchange State Bank originally started as a private, family owned financial bank and later became a publicly traded independent institution. The full-service bank provides a wide range of personal and business banking products, such as individual checking, negotiable order of withdrawal (NOW) checking, investment accounts, statement savings, Certificates of Deposit (CDs), individual retirement accounts (IRAs) and health savings accounts (HSA). It also offers a variety of lending options, including mortgage, consumer, auto, personal, agricultural and business loans. The bank has total assets of approximately $108 million. Exchange State Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. .