BanksEXCHANGE BANK

EXCHANGE BANK

KEARNEY, NELargeEst. April 9, 1917, midnightFDIC #1435RSSD #492650FDIC
Latest · 2025-12-31

EXCHANGE BANK is an 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%. CET1 capital ratio: 10.65%, well above regulatory minimums. NPL ratio: 1.48% · Texas Ratio: 9.02%. Operates 7 domestic branches.

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 Margin3.34%
Yield on Assets6.09%
Cost of Funds2.84%

Asset Quality

NPL Ratio1.48%
Net Charge-Off Ratio0.08%
Texas Ratio9.02%
NPA Ratio1.06%
ACL / Loans1.38%

Capital & Liquidity

CET1 Ratio10.65%
Tier 1 Capital10.65%
Total Capital Ratio11.18%
Leverage Ratio11.10%
Loan-to-Deposit90.06%

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