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 Q2 2026 was in Reserve coverage of non-performing loans: 15.98 percentage points higher than in Q1 2026, at 57.81%. On return on assets, Exchange Bank ranks 11th highest among the 138 banks headquartered in Nebraska, at 2.29% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Exchange Bank reported 2.29% on return on assets in Q2 2026, 1.02 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.39% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 11.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.41% |
| Non-performing assets ratio | 1.70% |
| Net charge-off ratio | -0.24% |
| Texas ratio | 20.30% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 57.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 21.41% |
| Net interest margin | 3.57% |
| Efficiency ratio | 33.47% |
| Yield on earning assets | 6.23% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.28% |
| Core deposits to total deposits | 75.28% |
| Brokered deposits to total deposits | 12.79% |
| Deposits to assets | 77.41% |
| Securities to assets | 25.83% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 9.81% | 1.51% | 2.78% | 0.37% | -0.02% |
| Q4 2023 | 9.98% | 1.09% | 2.73% | 0.37% | 0.00% |
| Q1 2024 | 10.45% | 2.20% | 2.67% | 0.42% | 0.01% |
| Q2 2024 | 10.33% | 1.44% | 2.68% | 0.58% | -0.00% |
| Q3 2024 | 10.16% | 1.32% | 2.65% | 0.69% | -0.00% |
| Q4 2024 | 10.32% | 1.31% | 2.69% | 0.50% | -0.01% |
| Q1 2025 | 10.12% | 1.62% | 2.90% | 1.28% | 0.11% |
| Q2 2025 | 10.32% | 1.80% | 3.09% | 1.31% | 0.02% |
| Q3 2025 | 10.72% | 1.79% | 3.09% | 1.71% | 0.09% |
| Q4 2025 | 11.10% | 1.99% | 3.29% | 1.48% | 0.10% |
| Q1 2026 | 10.77% | 1.89% | 3.17% | 3.24% | 0.26% |
| Q2 2026 | 11.39% | 2.29% | 3.57% | 2.41% | -0.24% |
Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1435) · FFIEC NIC profile (RSSD 492650)