Exchange Bank
Kearney, NE
IDRSSD: 492650
Total Assets
$1.57B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
3.26%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Exchange Bank
3110 2nd Ave
Kearney, NE 68847
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/09/1917FDIC Certificate 953
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Exchange Bank (Main) | 3110 2nd Ave | Kearney, NE |
| EXCHANGE BANK | 702 N Washington St | Junction City, KS |
| EXCHANGE BANK, GRAND ISLAND BRANCH | 1204 Allen Dr | Grand Island, NE |
| EXCHANGE BANK BRANCH | 7655 Pioneers Blvd | Lincoln, NE |
| EXCHANGE BANK | 1720 S Ohio St | Salina, KS |
| MANHATTAN BRANCH | 322 Houston St | Manhattan, KS |
| EXCHANGE BANK | 8008 W Dodge Rd | Omaha, NE |
| GIBBON BRANCH | 14 Labarre St | Gibbon, NE |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/09/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68847 |
| State and County Number | 31019 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kearney, NE |
Operational Info
| Number of Employees | 135 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.eb-us.com |
| Data Updated | 01/30/2026 |
| CERT | 1435 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.57B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.40B |
| Total Equity Capital | $170.37M |
| Net Income | $7.86M |
| Net Loans and Leases | $1.07B |
| Assets Per Employee ($Millions) | $11.16M |
| Bank Premises and Fixed Assets | $18.84M |
| Cash and Balances due from Depository Institutions | $8.70M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 19.17% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 38.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.826% |
| Earning Assets to total Assets | 94.19% |
Income and Expense
| Total Interest Income | $21.82M |
| Total Noninterest Income | $1.55M |
| Total Interest Expense | $9.86M |
| Total Noninterest Expense | $5.20M |
| Net Interest Income | $11.96M |
| Pre-tax Net Operating Income | $8.06M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $718.00k |
| Other borrowed funds | $197.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $352.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.89M |
| Total Liabilities and Capital | $1.57B |
Securities
| Securities | $416.04M |
| Available-for-sale debt securities | $416.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Exchange Bank?
$1.57B as of the latest filing.
How much are Exchange Bank's total deposits?
$1.20B in total deposits.
Where is Exchange Bank located?
Kearney, NE.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
8.
When was it established?
04/09/1917.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$21.82M.