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Exchange Bank
Kearney, NE · FDIC Certificate #1435 · Chartered 04/0
Total assets
$1.58B
Total deposits
$1.22B
Total equity
$178.16M
Net loans
$1.07B
Branches (offices)
7
Net income (YTD)
$16.74M
Rank: #715 of 4,213 U.S. banks by assets · #8 of 138 in Nebraska. Assets changed 2.9% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.13% |
| Return on equity | 19.60% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 11.39% |
| Uninsured deposits (share of deposits) | 27.5% |
| Noncurrent loans (share of loans) | 3.49% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $906.96M | 84.5% | |
| Commercial & industrial | $55.35M | 5.2% | |
| Consumer / individual | $4.97M | 0.5% | |
| Construction & development | $121.60M | 11.3% | |
| Agricultural | $82.28M | 7.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.25B | $935.28M | $12.77M | $115.36M |
| Jun 2023 | $1.37B | $1.04B | $13.36M | $126.65M |
| Jun 2024 | $1.42B | $1.14B | $13.10M | $137.37M |
| Jun 2025 | $1.53B | $1.19B | $13.14M | $142.81M |
| Jun 2026 | $1.58B | $1.22B | $16.74M | $178.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $1.01B | 5 |
| Kansas | $204.99M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
Northfield Savings Bank ($1.58B) · Newburyport Five Cents Savings Bank ($1.57B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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