MINDEN EXCHANGE BANK & TRUST COMPANY

MINDEN, NE | Small | Est. Sept. 1, 1883, midnight | FDIC #5439 | RSSD #456054 | FDIC
Latest Report: 2025-12-31

MINDEN EXCHANGE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MINDEN, NE, established in Sept. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $190M and total deposits of $142M. Profitability stands at 0.28% ROA and 1.44% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 19.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 1.43%. FDIC Certificate #5439.

Assets

$190M

Deposits

$142M

Loans

$108M

Equity

$37M

Profitability

Return on Assets (ROA) 0.28%
Return on Equity (ROE) 1.44%
Net Interest Margin (NIM) 4.38%
Yield on Assets 5.69%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.69%
Texas Ratio 1.43%
NPA Ratio 0.29%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 19.72%
Tier 1 Capital 19.72%
Total Capital Ratio 20.71%
Leverage Ratio 20.22%
Loan-to-Deposit 75.79%

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