Kearney, NE · Cert 1435 · Exchange Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
17
Profitability
61
Liquidity
98
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kearney, NE · Cert 1435 · Exchange Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 10.9% share · #2 of 22 inst. · $0.4B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.28% | 1.30% | 1.39% | 1.42% | 1.47% | 1.52% | 1.69% | +29 bps | |
| Return on Equity | 13.82% | 13.16% | 13.87% | 14.85% | 14.76% | 14.92% | 14.24% | 15.50% | +64 bps | |
| Net Interest Margin | 2.45% | 2.43% | 2.67% | 2.73% | 2.76% | 2.81% | 2.91% | 3.11% | +38 bps | |
| Efficiency Ratio | 46.96% | 47.74% | 44.57% | 42.64% | 42.10% | 41.11% | 39.62% | 37.27% | -537 bps | |
| Non-Interest Burden | 0.99% | 0.99% | 1.02% | 0.99% | 0.99% | 0.97% | 0.99% | 0.99% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 5.32% | 6.88% | 7.93% | 6.86% | 5.58% | 4.53% | 2.86% | -507 bps | |
| Loan Growth (YoY) | 2.66% | 1.62% | 1.74% | 5.16% | 4.58% | 5.23% | 3.67% | 1.47% | -368 bps | |
| Deposit Growth (YoY) | 10.60% | 13.59% | 3.13% | 4.79% | 1.78% | -0.39% | 3.56% | 2.25% | -255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.50% | 1.28% | 1.31% | 1.71% | 1.48% | 3.51% | 3.49% | +218 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.11% | 0.06% | 0.07% | 0.08% | 0.27% | 0.01% | -5 bps | |
| Allowance / Loans | 1.46% | 1.46% | 1.43% | 1.40% | 1.39% | 1.38% | 1.35% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.9x | 1.1x | 1.1x | 0.8x | 0.9x | 0.4x | 0.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.16% | 10.32% | 10.12% | 10.32% | 10.72% | 11.10% | 10.77% | 11.39% | +106 bps | |
| Total Risk-Based Capital | 10.16% | 10.32% | 10.12% | 10.32% | 10.72% | 11.10% | 10.77% | 11.39% | +106 bps | |
| Equity / Assets | 9.74% | 9.56% | 9.25% | 9.33% | 10.24% | 10.83% | 10.52% | 11.31% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.48% | 85.25% | 88.71% | 89.96% | 89.88% | 90.06% | 88.80% | 89.28% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.07% | 0.03% | 0.03% | 0.02% | 0.04% | 0.00% | 0.06% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 302% | 303% | n/a | n/a | |
Kearney, NE · Cert 1435 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Exchange Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.68%
Rank 22 of 176
Net Interest Margin
3.12%
Rank 148 of 176
Efficiency Ratio
37.27%
Rank 4 of 176
Equity / Assets
11.31%
Rank 58 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.93% | 1.26% | 1.54% | Beats 88% | 22 / 176 | ||
| Return on Equity | 14.86% | 9.26% | 11.89% | 14.46% | Beats 78% | 39 / 176 | ||
| Net Interest Margin | 3.12% | 3.25% | 3.59% | 3.93% | Beats 16% | 148 / 176 | ||
| Efficiency Ratio | 37.27% | 52.79% | 59.55% | 67.66% | Beats 98% | 4 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.49% | 0.30% | 0.64% | 1.32% | Beats 2% | 174 / 176 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 31% | 124 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.39% | 11.15% | 12.72% | 14.15% | Beats 31% | 122 / 176 | ||
| Total Risk-Based Capital Ratio | 11.39% | 11.81% | 13.63% | 15.33% | Beats 18% | 145 / 176 | ||
| Equity / Assets | 11.31% | 9.16% | 10.35% | 11.80% | Beats 67% | 58 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.28% | 80.94% | 89.73% | 97.21% | 47th pctl | 93 / 176 | ||
| Loans / Assets | 69.11% | 69.25% | 75.12% | 80.82% | 24th pctl | 133 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||