Exchange Bank: how it compares with its peers
Against 20 NE banks with half to twice its assets, Exchange Bank's strongest measure in Q2 2026 is return on assets (2.13% vs. a 1.23% peer median). Its weakest relative measure is net interest margin (3.35% vs. 3.53%).
| Measure | Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.23% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.53% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.27% | 61.60% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $8.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.04% | 89.13% | Context |
What it means for lending operations
Its efficiency ratio of 37.27% is better than the 61.60% 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
- Elkhorn Valley Bank & Trust Norfolk, NE · $1.49B
- West Gate Bank Lincoln, NE · $1.47B
- Adams Bank & Trust Ogallala, NE · $1.29B
- Security National Bank of Omaha Omaha, NE · $1.86B
- Platte Valley Bank Scottsbluff, NE · $1.25B
- Midwest Bank Pierce, NE · $1.24B
Questions about Exchange Bank
How big is Exchange Bank?
Exchange Bank, established in 1917, is headquartered in Kearney, NE. It reported $1.58B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Exchange Bank's return on assets?
2.13% annualized in Q2 2026, against a 1.23% median for 20 NE banks with half to twice its assets, ahead of 95% of them.
What is Exchange Bank's efficiency ratio?
37.27% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 61.60%, and lower is better.
Is Exchange Bank growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits grew 2.2%.
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.