Exchange Bank (Kearney, NE)
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank is an FDIC-insured commercial bank headquartered in Kearney, NE, established in 1917 (FDIC certificate 1435), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.58B, up 2.9% from Q2 2025, the 8th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1435
- Headquarters
- Kearney, NE
- Established
- 1917
- Total assets, Q2 2026
- $1.58B
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 11.39%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 104903333
- Holding company
- EXCHANGE COMPANY
- Asset rank in state
- 8th of 138 in Nebraska
Problem loans are rising at Exchange Bank. Based in Kearney, Nebraska, it had $1.6 billion in assets at June 30, 2026, up 2.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.49% of loans from 1.31% a year earlier. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
The multifamily book ($118 million) is worsening: 11.92% of it is past due or on nonaccrual, up from 2.72% a year earlier. The non-owner-occupied commercial real estate book ($235 million) is worsening: 5.74% of it is past due or on nonaccrual, up from 3.41% a year earlier. Credit is the area to watch: it carries problem assets equal to 20.3% of the capital and reserves that would absorb them, 5.7 times the median of 3.6% for banks its size.
As of June 30, 2026, Exchange Bank reported a return on assets of 2.29%, a nonperforming-loan ratio of 3.49% and a Texas ratio of 20.30%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Exchange Bank is the 8th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $1.58B, loans rose 1.4% and deposits rose 0.8%. 1-4 family residential loans made up 23.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Grand Island office books 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3110 2nd Ave, Kearney, NE 68847
- County
- Buffalo
- Metro Area
- Kearney, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 9, 1917
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 131
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $15.2M
- Net charge-offs (YTD)
- $77K
- Average total assets
- $1.60B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $1.20B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1435
- Fed RSSD
- 492650
- Website
- www.eb-us.com →
- Parent Holding Company
- EXCHANGE COMPANY (RSSD 1061893)
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, 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, Exchange Bank's total assets ran between $1.37B (Q3 2023) and $1.58B (Q2 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
$1.58B total assets against $1.53B; $1.40B total liabilities against $1.39B.
$1.07B net loans and leases against $1.06B; $1.22B total deposits against $1.19B.
$407.0M securities against $384.3M; $14.9M cash and balances due against $12.0M.
$23.5M total interest income against $22.2M; $10.4M total interest expense against $11.2M.
$13.2M net interest income against $11.1M.
$1.0M total noninterest income against $1.1M; $5.0M total noninterest expense against $5.0M.
$0 provision for credit losses against $200K.
$9.2M net income against $7.0M.
2.29% return on assets against 1.80%; 3.57% net interest margin against 3.09%.
11.39% tier 1 leverage ratio against 10.32%.
Inside the full Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Exchange Bank rankings
Its closest position to the top of a national ranking is 77 of 3,606, for efficiency ratio; its furthest is 619 of 980, for uninsured deposits.
Metric pages for Exchange Bank: ROA, Texas Ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q4 2024) to 2.29% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.39% | 2.29% | 3.49% | 20.30% | 3.57% |
| Q1 2026 | 10.77% | 1.89% | 3.51% | 21.83% | 3.17% |
| Q4 2025 | 11.10% | 1.99% | 1.48% | 9.17% | 3.29% |
| Q3 2025 | 10.72% | 1.79% | 1.71% | 11.26% | 3.09% |
| Q2 2025 | 10.32% | 1.80% | 1.31% | 9.16% | 3.09% |
| Q1 2025 | 10.12% | 1.62% | 1.28% | 8.94% | 2.90% |
| Q4 2024 | 10.32% | 1.31% | 0.50% | 3.39% | 2.69% |
| Q3 2024 | 10.16% | 1.32% | 0.71% | 4.87% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Exchange Bank, Grand Island Branch | Grand Island , NE | 68803 | $394.0M |
| Exchange Bank Branch | Lincoln , NE | 68506 | $222.4M |
| Exchange Bank (main office) | Kearney , NE | 68847 | $218.4M |
| Exchange Bank (main office) | Junction City , KS | 66441 | $125.9M |
| Exchange Bank (main office) | Omaha , NE | 68114 | $110.4M |
| Exchange Bank (main office) | Salina , KS | 67401 | $79.1M |
| Gibbon Branch | Gibbon , NE | 68840 | $69.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired The First National Bank and Trust Company of Junction City, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 2011 | Structure Change | Acquired Nebraska National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in NE, rank 17 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 651 applications, 561 loans originated, $134.0M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $317K approved, $158K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Exchange Bank
What are Exchange Bank's total assets?
As of the Q2 2026 filing, Exchange Bank reported total assets of $1.58 billion in its FFIEC call report.
Where is Exchange Bank headquartered?
It is headquartered in Kearney, NE, United States.
When was Exchange Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1435). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank?
Exchange Bank's primary federal regulator is the FDIC.
How many branches does Exchange Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Exchange Bank's Texas Ratio?
Its Texas Ratio is 20.30% 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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