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Exchange Bank

Kearney, NE
IDRSSD: 492650
Total Assets
$1.54B
Latest filing
Total Deposits
$1.19B
Latest filing
Net Interest Margin
3.06%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/09/1917
Community BankYes
Ownership TypeNot Mutual
ZIP68847
State and County Number31019
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameKearney, NE

Operational Info

Number of Employees137
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.eb-us.com
Data Updated11/14/2025
CERT1435
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.54B
Total Deposits$1.19B
Total Liabilities$1.38B
Total Equity Capital$157.72M
Net Income$6.98M
Net Loans and Leases$1.06B
Assets Per Employee ($Millions)$11.41M
Bank Premises and Fixed Assets$19.01M
Cash and Balances due from Depository Institutions$7.64M
Deposits Held in Domestic Offices$1.19B

Key Performance Ratios

Return on Assets (ROA)1.82%
Return on Equity (ROE)18.58%
Net Interest Margin3.06%
Efficiency Ratio41.07%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.05%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.238%
Earning Assets to total Assets94.36%

Income and Expense

Total Interest Income$22.23M
Total Noninterest Income$1.15M
Total Interest Expense$11.13M
Total Noninterest Expense$5.03M
Net Interest Income$11.10M
Pre-tax Net Operating Income$7.02M
Provision for Credit Losses$200.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$718.00k
Other borrowed funds$182.28M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$830.00k
All Other Liabilities$6.34M
Total Liabilities and Capital$1.54B

Securities

Securities$395.64M
Available-for-sale debt securities$395.64M
Equity securities with readily determinable fair values not held for trading$0
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?
$1.54B as of the latest filing.
How much are Exchange Bank's total deposits?
$1.19B in total deposits.
Where is Exchange Bank located?
Kearney, NE.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
8.
When was it established?
04/09/1917.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$1.06B (latest filing).
What is the total interest income (latest filing)?
$22.23M.