Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank of Kearney, NE against its peer group of 927 similarly-sized US banks as of Q2 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 | 2.29% | 1.46% | +0.83% | 93rd top |
| ROAE | 21.41% | 12.69% | +8.72% | 92nd top |
| Net Interest Margin | 3.57% | 3.85% | -0.28% | 40th below |
| Efficiency Ratio | 33.47% | 57.41% | -23.94% | 96th top |
| PPNR / Avg Assets | 2.31% | 1.88% | +0.43% | 82nd top |
| Yield on Earning Assets | 6.23% | 5.72% | +0.51% | 83rd top |
| Cost of Funds | 2.80% | 2.02% | +0.78% | 11th bottom |
| Net Interest Spread | 3.02% | 3.18% | -0.16% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.41% | 1.00% | +1.41% | 8th bottom |
| NPA / Total Assets | 1.70% | 0.76% | +0.94% | 9th bottom |
| NCO / Avg Loans | -0.24% | 0.43% | -0.67% | 100th top |
| ACL / Total Loans | 1.39% | 1.31% | +0.08% | 80th top |
| ACL / NPLs (Coverage) | 57.81% | 564.67% | -506.86% | 12th bottom |
| Texas Ratio | 20.30% | 7.38% | +12.92% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 454.55% | 618.66% | -164.11% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.39% | 11.44% | -0.05% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.33% | -0.02% | 65th above |
| TCE / Tangible Assets | 11.13% | 10.50% | +0.63% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.28% | 86.95% | +2.33% | 48th below |
| Core Deposit Ratio | 75.28% | 85.56% | -10.28% | 13th bottom |
| Uninsured Deposit Ratio | 27.50% | 33.13% | -5.63% | 62nd above |
| Wholesale Funding Ratio | 10.93% | 5.70% | +5.23% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.86% | 9.68% | -6.82% | 34th below |
| Loan Growth (Y/Y) | 1.47% | 8.06% | -6.59% | 25th below |
| Deposit Growth (Y/Y) | 2.25% | 7.88% | -5.63% | 32nd below |
See Exchange Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 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 Exchange Bank profile, how to read a UBPR, or how this data updates.