Checked
Exchange Bank
Kearney, NE · State-chartered bank (not a Fed member) · Part of Exchange Co
- Total assets
- $1.58B
- Q2 2026
- Deposits
- $1.22B
- Net income
- $16.74M
- first half of 2026
- Return on assets
- 2.13%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 1435
- Main office
- Kearney, NE
- Holding company
- Exchange Co
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 04/09/1917
- FDIC insured since
- 01/01/1934
- U.S. offices
- 8
- Employees (full-time equivalent)
- 131
- Specialty
- Commercial Lending Specialization
- Website
- www.eb-us.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.58B | $1.56B | $1.57B | $1.54B | $1.53B | $1.49B | $1.49B | $1.44B |
| Deposits | $1.22B | $1.21B | $1.2B | $1.19B | $1.19B | $1.17B | $1.2B | $1.17B |
| Net loans and leases | $1.07B | $1.06B | $1.07B | $1.06B | $1.06B | $1.02B | $1.01B | $1.01B |
| Securities | $407M | $410.1M | $416M | $395.6M | $384.3M | $385.5M | $368.4M | $351.4M |
| Equity capital | $178.2M | $164M | $170.4M | $157.7M | $142.8M | $138M | $142.5M | $140.4M |
| Net income (year to date) | $16.74M | $7.59M | $27.98M | $20.12M | $13.14M | $6.14M | $22.75M | $17.92M |
| Return on assets | 2.13% | 1.94% | 1.83% | 1.77% | 1.75% | 1.65% | 1.59% | 1.68% |
| Return on equity | 19.60% | 18.15% | 18.62% | 18.47% | 18.62% | 17.50% | 16.32% | 17.23% |
| Net interest margin | 3.35% | 3.15% | 3.08% | 3.02% | 2.99% | 2.89% | 2.67% | 2.67% |
| Efficiency ratio | 37.3% | 39.6% | 41.1% | 42.1% | 42.6% | 44.6% | 47.7% | 47.0% |
| Noncurrent loans | 3.54% | 3.56% | 1.50% | 1.74% | 1.33% | 1.30% | 0.51% | 0.72% |
| Net charge-off rate | 0.01% | 0.27% | 0.08% | 0.07% | 0.06% | 0.11% | 0.00% | 0.00% |
| Leverage (core capital) ratio | 11.39% | 10.77% | 11.10% | 10.72% | 10.32% | 10.12% | 10.32% | 10.16% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Assets grew 2.9% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$907M84.5%
- Commercial and industrial loans$55.35M5.2%
- Consumer loans$4.97M0.5%
Find bank branches in Nebraska · Employees: 131
Frequently asked questions
- What is Exchange Bank's FDIC certificate number?
- Exchange Bank's FDIC certificate number is 1435.
- How big is Exchange Bank?
- Exchange Bank reported total assets of $1.58B and deposits of $1.22B as of Q2 2026.
- Is Exchange Bank FDIC insured?
- Yes. Exchange Bank has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026