Elmwood, NE · Cert 10647 · American Exchange Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #56 of 77 inst. · $0.1B of $42.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.58% | 2.77% | 1.57% | 2.01% | 0.58% | 1.75% | 1.78% | +21 bps | |
| Return on Equity | 3.74% | 5.85% | 27.89% | 14.73% | 17.90% | 5.79% | 20.83% | 20.07% | +535 bps | |
| Net Interest Margin | 3.84% | 3.58% | 3.80% | 4.42% | 4.52% | 4.15% | 4.14% | 4.23% | -19 bps | |
| Efficiency Ratio | 51.67% | 88.67% | 35.78% | 57.22% | 46.56% | 84.46% | 50.19% | 49.00% | -821 bps | |
| Non-Interest Burden | 1.85% | 3.15% | 0.50% | 2.43% | 2.04% | 3.42% | 1.92% | 1.97% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.89% | -5.93% | 0.09% | -1.53% | 0.61% | 0.64% | 10.08% | 5.19% | +672 bps | |
| Loan Growth (YoY) | 16.79% | 15.82% | 21.17% | 13.26% | 9.25% | 12.68% | 6.20% | 4.40% | -886 bps | |
| Deposit Growth (YoY) | 9.80% | 11.12% | 8.49% | 10.36% | 4.59% | -0.11% | 11.45% | 10.69% | +34 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.61% | 0.61% | 0.95% | 0.68% | 0.71% | 0.76% | 0.98% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | -1.84% | 0.00% | -0.14% | 0.00% | 0.00% | 0.00% | 0.01% | +15 bps | |
| Allowance / Loans | 1.06% | 1.39% | 1.41% | 1.39% | 1.43% | 1.37% | 1.46% | 1.44% | +4 bps | |
| Allowance Coverage of NPLs | 5.2x | 2.3x | 2.3x | 1.5x | 2.1x | 1.9x | 1.9x | 1.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.41% | 10.42% | 11.68% | 12.24% | 9.13% | 9.21% | 9.63% | -206 bps | |
| Total Risk-Based Capital | 11.09% | 10.41% | 10.42% | 11.68% | 12.24% | 9.13% | 9.21% | 9.63% | -206 bps | |
| Equity / Assets | 10.22% | 9.50% | 10.36% | 10.98% | 11.44% | 8.53% | 8.32% | 9.44% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.39% | 79.75% | 74.08% | 82.82% | 91.29% | 89.96% | 70.59% | 78.12% | -470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.56% | 167.29% | 141.49% | n/a | n/a | |