American Exchange Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 1892.65 percentage points higher than in Q2 2026, at 2475.00%. On return on assets, American Exchange Bank ranks 10th highest among the 138 banks headquartered in Nebraska, at 2.36% (Q3 2026). American Exchange Bank's return on assets of 2.36% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.37 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 9.42% |
| Tangible equity to tangible assets | 9.42% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.88% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 2475.00% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.36% |
| Return on equity | 24.99% |
| Net interest margin | 4.56% |
| Efficiency ratio | 43.64% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.48% |
| Core deposits to total deposits | 90.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.43% |
| Securities to assets | 20.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 9.71% | 1.64% | 3.40% | 0.17% | 0.03% |
| Q1 2024 | 10.32% | 2.69% | 4.44% | 0.18% | -0.01% |
| Q2 2024 | 10.95% | 1.57% | 2.81% | 0.17% | 0.00% |
| Q3 2024 | 11.09% | 0.48% | 3.95% | 0.15% | 0.01% |
| Q4 2024 | 10.41% | 0.72% | 3.75% | 0.00% | -1.85% |
| Q1 2025 | 10.42% | 3.29% | 3.94% | 0.00% | 0.00% |
| Q2 2025 | 11.68% | 1.99% | 4.56% | 0.00% | -0.14% |
| Q3 2025 | 12.24% | 2.55% | 4.66% | 0.00% | 0.00% |
| Q4 2025 | 9.13% | 0.72% | 4.30% | 0.00% | 0.00% |
| Q1 2026 | 9.21% | 2.22% | 4.30% | 0.00% | 0.00% |
| Q2 2026 | 9.63% | 2.26% | 4.36% | 0.25% | 0.01% |
| Q3 2026 | 10.28% | 2.36% | 4.56% | 0.05% | 0.00% |
American Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10647) · FFIEC NIC profile (RSSD 1014451)