American Exchange Bank: how it compares with its peers
Against 42 NE banks with half to twice its assets, American Exchange Bank's strongest measure in Q2 2026 is return on assets (2.28% vs. a 1.26% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $7.9M).
| Measure | American Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.28% | 1.26% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 3.74% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.60% | 64.14% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.9M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.00% | 76.20% | Context |
What it means for lending operations
Its efficiency ratio of 49.60% is better than the 64.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Adams State Bank Adams, NE · $70M
- Genoa Community Bank Genoa, NE · $70M
- Battle Creek State Bank Battle Creek, NE · $71M
- Nebraska State Bank Oshkosh, NE · $74M
- Stanton State Bank Stanton, NE · $65M
- Commercial State Bank Republican City, NE · $76M
Questions about American Exchange Bank
How big is American Exchange Bank?
American Exchange Bank, established in 1889, is headquartered in Elmwood, NE. It reported $70M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is American Exchange Bank's return on assets?
2.28% annualized in Q2 2026, against a 1.26% median for 42 NE banks with half to twice its assets, ahead of 86% of them.
What is American Exchange Bank's efficiency ratio?
49.60% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 64.14%, and lower is better.
Is American Exchange Bank growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.