American Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Exchange Bank of Elmwood, NE against its peer group of 506 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.36% | 0.80% | +1.56% | 93rd top |
| ROAE | 24.99% | 4.56% | +20.43% | 100th top |
| Net Interest Margin | 4.56% | 3.96% | +0.60% | 80th top |
| Efficiency Ratio | 43.64% | 76.29% | -32.65% | 95th top |
| PPNR / Avg Assets | 2.56% | — | — | 93rd top |
| Yield on Earning Assets | 5.99% | 5.45% | +0.54% | 82nd top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.58% | 1.72% | -0.14% | 39th below |
| Net Interest Spread | 3.90% | — | — | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 1.41% | -1.36% | 51st above |
| NPA / Total Assets | 0.04% | — | — | 51st above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 50th above |
| ACL / Total Loans | 1.29% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 2475.00% | — | — | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.88% | 8.94% | -5.06% | 34th below |
| Provision / NCO | 0.00% | — | — | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.28% | 14.22% | -3.94% | 15th bottom |
| Equity / Assets | 9.42% | 13.16% | -3.74% | 15th bottom |
| TCE / Tangible Assets | 9.42% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.48% | 69.24% | +20.24% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.55% | 88.77% | +1.78% | 48th below |
| Wholesale Funding Ratio | 5.65% | — | — | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.93% | — | — | 70th above |
| Loan Growth (Y/Y) | 9.89% | — | — | 90th top |
| Deposit Growth (Y/Y) | 12.11% | — | — | 93rd top |
See American Exchange Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Exchange Bank profile, how to read a UBPR, or how this data updates.