American Exchange Bank (Elmwood, NE)
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Data as of · sourced from FFIEC call reports. How we update
American Exchange Bank is an FDIC-insured commercial bank headquartered in Elmwood, NE, established in 1889 (FDIC certificate 10647), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $69.7M, up 5.2% from Q2 2025, the 121st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10647
- Headquarters
- Elmwood, NE
- Established
- 1889
- Total assets, Q2 2026
- $69.7M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 9.63%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104903692
- Holding company
- AMERICAN EXCHANGE COMPANY
- Asset rank in state
- 121st of 138 in Nebraska
American Exchange Bank is one of the more profitable banks of its size. Based in Elmwood, Nebraska, it had $70 million in assets at June 30, 2026, up 5.2% from a year earlier. It returns 25.6% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Net income for the quarter rose 22% from a year earlier, to $409,000. Over the same year, loans grew 4.4% and deposits grew 10.7%. Where it has less room is capital: it funds 9.63% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, American Exchange Bank reported a return on assets of 2.26%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 6.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Exchange Bank is the 121st largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets fell 6.8% to $69.7M, loans rose 1.8% and deposits fell 8.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.1% of total loans, followed by commercial and industrial loans at 22.4%. Its 2 offices in the FDIC Summary of Deposits are in Elmwood, NE and Eagle, NE; its Elmwood office books 86% of its branch deposits. Judged on its Q2 2026 call report, American Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 151 N 4th St, Elmwood, NE 68349
- County
- Cass
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 13, 1889
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $61.8M
- Allowance for credit losses
- $693K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $72.3M
- Average total loans
- $47.5M
- Average interest-bearing deposits
- $45.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10647
- Fed RSSD
- 1014451
- Website
- www.aebank.com →
- Parent Holding Company
- AMERICAN EXCHANGE COMPANY (RSSD 1061950)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Exchange Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Exchange Bank's total assets ran between $66.2M (Q2 2025) and $74.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$69.7M total assets against $66.2M; $63.1M total liabilities against $59.0M.
$47.6M net loans and leases against $45.6M; $61.8M total deposits against $55.8M.
$15.4M securities against $17.5M; $5.3M cash and balances due against $1.8M.
$1.0M total interest income against $966K; $245K total interest expense against $222K.
$765K net interest income against $744K.
$37K total noninterest income against $39K; $393K total noninterest expense against $448K.
$0 provision for credit losses against $0.
$409K net income against $335K.
2.26% return on assets against 1.99%; 4.36% net interest margin against 4.56%.
9.63% tier 1 leverage ratio against 11.68%.
Inside the full American Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 3.29% (Q1 2025) and its net interest margin ran from 3.75% (Q4 2024) to 4.66% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 2.26% | 0.98% | 6.52% | 4.36% |
| Q1 2026 | 9.21% | 2.22% | 0.76% | 5.21% | 4.30% |
| Q4 2025 | 9.13% | 0.72% | 0.71% | 5.41% | 4.30% |
| Q3 2025 | 12.24% | 2.55% | 0.68% | 6.23% | 4.66% |
| Q2 2025 | 11.68% | 1.99% | 0.95% | 5.54% | 4.56% |
| Q1 2025 | 10.42% | 3.29% | 0.61% | 4.88% | 3.94% |
| Q4 2024 | 10.41% | 0.72% | 0.61% | 15.56% | 3.75% |
| Q3 2024 | 11.09% | 0.48% | 0.20% | 5.41% | 3.95% |
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Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Exchange Bank (main office) | Elmwood , NE | 68349 | $53.2M |
| Elmwood Branch | Eagle , NE | 68347 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 129 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Exchange Bank
What are American Exchange Bank's total assets?
As of the Q2 2026 filing, American Exchange Bank reported total assets of $69.7 million in its FFIEC call report.
Where is American Exchange Bank headquartered?
It is headquartered in Elmwood, NE, United States.
When was American Exchange Bank founded?
It was established in 1889, per the FDIC institution directory.
Is American Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Exchange Bank?
American Exchange Bank's primary federal regulator is the Federal Reserve.
How many branches does American Exchange Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Exchange Bank's Texas Ratio?
Its Texas Ratio is 6.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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