Exchange Bank
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
$1.6BAssets
$1.1BLoans
$1.2BDeposits
$178.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.8M · efficiency ratio beats 98% of banks $1B-$10B in assets operating regionally | 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 |