Minden Exchange Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Minden Exchange Bank & Trust Company is an FDIC-insured commercial bank headquartered in Minden, NE, established in 1883 (FDIC certificate 5439), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $201.4M, up 4.9% from Q2 2025, the 78th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.84% 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
- 5439
- Headquarters
- Minden, NE
- Established
- 1883
- Total assets, Q2 2026
- $201.4M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 19.84%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104901814
- Latest call report
- Q2 2026, FFIEC 051 · Minden Exchange Bank & Trust Company call report
- Holding company
- MINDEN EXCHANGE COMPANY
- Asset rank in state
- 78th of 138 in Nebraska
Minden Exchange Bank & Trust Company runs leaner than most banks of its size. Based in Minden, Nebraska, it had $201 million in assets at June 30, 2026, up 4.9% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 19.84% of its assets with Tier 1 capital, about double the median of 10.99% for banks its size.
Its $20 million commercial and industrial book is improving, with 1.80% past due or on nonaccrual, down from 21.46% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.23% of loans, down from 1.96% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 0.2%.
As of June 30, 2026, Minden Exchange Bank & Trust Company reported a return on assets of 1.75%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 3.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Minden Exchange Bank & Trust Company is the 78th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $201.4M, loans rose 8.1% and deposits fell 3.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 44.8% of total loans, followed by farmland and other real estate loans at 18.3%. The FDIC Summary of Deposits lists a single office for it, in Minden, NE. By the capital ratios in its Q2 2026 call report, Minden Exchange Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 448 N Minden Ave, Minden, NE 68959
- County
- Kearney
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 1, 1883
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $146.5M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $280K
- Average total assets
- $203.5M
- Average total loans
- $103.5M
- Average interest-bearing deposits
- $123.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5439
- Fed RSSD
- 456054
- Website
- www.mindenexchange.com →
- Parent Holding Company
- MINDEN EXCHANGE COMPANY (RSSD 1494334)
- Ultimate Parent
- ARMSTRONG FINANCIAL CO. (RSSD 2540283)
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, Minden Exchange Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Minden Exchange Bank & Trust Company's total assets moved between a low of $184.8M (Q2 2024) and a high of $201.4M (Q2 2026) from Q3 2023 to 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
$201.4M total assets against $192.0M; $163.0M total liabilities against $154.4M.
$107.8M net loans and leases against $98.8M; $146.5M total deposits against $146.2M.
$80.1M securities against $80.0M; $5.1M cash and balances due against $5.0M.
$2.5M total interest income against $2.2M; $485K total interest expense against $560K.
$2.0M net interest income against $1.7M.
$153K total noninterest income against $145K; $945K total noninterest expense against $864K.
$125K provision for credit losses against $0.
$890K net income against $787K.
1.75% return on assets against 1.58%; 4.12% net interest margin against 3.53%.
19.84% tier 1 leverage ratio against 20.07%.
Inside the full Minden Exchange Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMinden Exchange Bank & Trust Company rankings
Its closest position to the top of a national ranking is 343 of 3,606, for efficiency ratio; its furthest is 2,950 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.28% (Q4 2025) to 2.48% (Q3 2025) and its net interest margin ran from 3.21% (Q3 2024) to 4.42% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.84% | 1.75% | 1.23% | 3.36% | 4.12% |
| Q1 2026 | 19.89% | 1.37% | 1.42% | 3.68% | 4.00% |
| Q4 2025 | 20.22% | 0.28% | 0.69% | 1.92% | 4.27% |
| Q3 2025 | 19.62% | 2.48% | 1.87% | 5.38% | 4.42% |
| Q2 2025 | 20.07% | 1.58% | 1.96% | 4.99% | 3.53% |
| Q1 2025 | 19.88% | 1.62% | 0.18% | 0.42% | 3.53% |
| Q4 2024 | 20.96% | 1.85% | 0.07% | 0.19% | 3.70% |
| Q3 2024 | 19.86% | 1.27% | 0.29% | 0.78% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Minden Exchange Bank & Trust Company (main office) | Minden , NE | 68959 | $146.5M |
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 5, 1983 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 94 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Minden Exchange Bank & Trust Company
What are Minden Exchange Bank & Trust Company's total assets?
As of the Q2 2026 filing, Minden Exchange Bank & Trust Company reported total assets of $201.4 million in its FFIEC call report.
Where is Minden Exchange Bank & Trust Company headquartered?
It is headquartered in Minden, NE, United States.
When was Minden Exchange Bank & Trust Company founded?
It was established in 1883, per the FDIC institution directory.
Is Minden Exchange Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minden Exchange Bank & Trust Company?
Minden Exchange Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Minden Exchange Bank & Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Minden Exchange Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 3.36% 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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