American Exchange Bank
Elmwood, NE · Cert 10647 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · American Exchange Co.
State charter, Fed member · FED · 2 branches
Q2 2026
$69.7MAssets
$48.3MLoans
$61.8MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets in the Omaha, NE-IA area (rank 3 of 24).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 22 of 24).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.83%
Rank 4 of 24
Net Interest Margin
4.19%
Rank 4 of 24
Efficiency Ratio
49.60%
Rank 7 of 24
Equity / Assets
9.44%
Rank 15 of 24
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 75% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.92% | 1.29% | 1.77% | Beats 83% | 4 / 24 | |
| Return on Equity | 19.38% | 9.64% | 12.01% | 15.30% | Beats 88% | 3 / 24 | |
| Net Interest Margin | 4.19% | 3.02% | 3.76% | 3.98% | Beats 83% | 4 / 24 | |
| Efficiency Ratio | 49.60% | 49.60% | 59.31% | 66.55% | Beats 75% | 7 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.10% | 0.37% | 1.03% | Beats 29% | 18 / 24 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 46% | 14 / 24 | |
| Capital |
| Tier 1 Capital Ratio | 9.63% | 10.53% | 11.57% | 13.63% | Beats 8% | 22 / 24 | |
| Total Risk-Based Capital Ratio | 9.63% | 11.15% | 12.06% | 13.90% | Beats 8% | 22 / 24 | |
| Equity / Assets | 9.44% | 8.87% | 10.14% | 12.27% | Beats 38% | 15 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 78.12% | 75.32% | 83.30% | 93.06% | 29th pctl | 17 / 24 | |
| Loans / Assets | 69.31% | 65.68% | 71.67% | 75.94% | 33rd pctl | 16 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |