EXCHANGE BANK

KEARNEY, NE | Large | Est. April 9, 1917, midnight | FDIC #1435 | RSSD #492650 | FDIC
Latest Report: 2025-12-31

EXCHANGE BANK is aln large FDIC-insured commercial bank headquartered in KEARNEY, NE, established in April 9, 1917, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.2B. Profitability stands at 2.02% ROA and 19.17% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 10.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.48% and a Texas Ratio of 9.02%. FDIC Certificate #1435.

Assets

$1.6B

Deposits

$1.2B

Loans

$1.1B

Equity

$170M

Profitability

Return on Assets (ROA) 2.02%
Return on Equity (ROE) 19.17%
Net Interest Margin (NIM) 3.34%
Yield on Assets 6.09%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 1.48%
Net Charge-Off Ratio 0.08%
Texas Ratio 9.02%
NPA Ratio 1.06%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 10.47%
Tier 1 Capital 10.47%
Total Capital Ratio 11.00%
Leverage Ratio 11.10%
Loan-to-Deposit 90.06%

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