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Exchange State Bank

About Exchange State Bank

Welcome to the Exchange State Bank website!

Exchange State Bank had its beginning in South Mound, Kansas, on September 26, 1914, as The South Mound State Bank. It wasn't until twenty years later that the charter was moved to St. Paul, Kansas, and became The Exchange State Bank on November 14, 1934. The bank was located at the northwest corner of 5th and Main Streets and remained there for 35 years.

As part of a business district renewal program begun by the City of St. Paul, ESB moved into a new facility located directly down the street at 408 N. 5th Street in December 1969. In 1996, ESB expanded into Girard, Kansas, opening a newly constructed facility at 108 E. St. John. A third expansion was made in 1999 with construction of a new bank at 209 Northeast Avenue, Columbus, Kansas.

One of the oldest banks in Southeast Kansas, we are proud to be locally owned and operated, providing quality customer service as we support the sound and productive growth of local businesses and agriculture, and strive to meet the financial needs of families in the communities we serve. If we can ever be of assistance, please feel free to contact us.

Exchange State Bank - you're not just dealing with bank employees - you're banking with friends!


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit


All loan payments must be accompanied by the account number or payment coupon provided. Loan payments must be sent to Exchange State Bank, PO Box 188, St. Paul, KS 66771, PO Box 187, Girard, KS 66743, or PO Box 461, Columbus, KS 66725. Loan payments may also be made in person to Exchange State Bank personnel at any of our lobby or drive up locations in St. Paul, Girard, and Columbus.

Our hours for receiving loan payments are 8:30 A.M. - 2:00 P.M., Monday - Friday (except bank holidays).

All other payments received will be credited as of the next loan operations business day or as otherwise permitted by law.

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