Exchange Bank

BankKearney, Nebraska
www.eb-us.com

Total Assets

$1.6B

Total Deposits

$1.2B

Branches

8

Established

1917

TFS Health Grade

$
C-

71.0 / 100

Average financial health

How we grade

Exchange Bank is a bank headquartered in Kearney, Nebraska, established in 1917. With $1.6B in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (71.0/100).

Capital & Safety

Tier 1 Capital Ratio
11.10%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.48%

Profitability

Return on Assets (ROA)
1.83%(1%)
Return on Equity (ROE)
18.62%(10%)
Net Interest Margin
3.08%
Efficiency Ratio
41.11%(60%)

Lending & Liquidity

Total Loans
$1.1B
Loan-to-Deposit Ratio
88.81%
Net Charge-Off Ratio
0.08%

Growth

Asset Growth (YoY)
+5.58%
Deposit Growth (YoY)
-0.39%
Net Income
$28.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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