Exchange Bank
Kearney, Nebraska, Buffalo County
$1.6B in total assets, the 733rd largest of 4,309 US banks and 8th of 139 headquartered in Nebraska.
- FDIC certificate
- 1435
- Established
- 1917
- Owned by
- Exchange Co
- Primary regulator
- FDIC
- Website
- www.eb-us.com
At a glance
Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 70% | $1.2B | |
| Loans | $1.1B | 70% | $915M | |
| Deposits | $1.2B | 65% | $1.1B | |
| Return on assets | 2.03% | 95% | 1.23% | |
| Net interest margin | 3.35% | 25% | 3.48% | |
| Efficiency ratio | 37.3% | 5% | 61.6% | |
| Equity to assets | 11.31% | 85% | 9.78% | |
| Loans to deposits | 89% | 45% | 90% |
Growth
Total assets grew 5.9% a year over the last 5 years and 7.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2014 | The First National Bank and Trust Company of Junction City, Kansas Junction City, KS | $107M |
| Nov 2011 | Nebraska National Bank Kearney, NE, an affiliate under the same holding company | $163M |
Where they operate
7 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hall County, NE | $394M | 12.5% | 2 of 18 |
| Buffalo County, NE | $288M | 12.3% | 3 of 17 |
| Lancaster County, NE | $222M | 1.5% | 12 of 31 |
| Geary County, KS | $126M | 17.0% | 2 of 7 |
| Douglas County, NE | $110M | 0.3% | 29 of 43 |
| Saline County, KS | $79M | 3.6% | 8 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (8 to 7, −12.5%). 3 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Closed Junction City | 0 | 1 | −1 | 7 |
| 2019 | Opened Omaha and SalinaClosed Salina | 2 | 1 | +1 | 8 |
| 2020 | Opened GibbonClosed Kearney | 1 | 1 | 0 | 8 |
| 2022 | Closed Grand Island | 0 | 1 | −1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 27% | 29% | |
| 1-4 family residential | 23% | 16% | |
| Construction and land | 11% | 8% | |
| Farmland | 11% | 12% | |
| Multifamily | 11% | 7% | |
| Agricultural | 8% | 10% | |
| Business (C&I) | 5% | 14% | |
| Consumer | 0% | 2% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 61% | 30% | |
| Other interest-bearing | 31% | 56% | |
| Noninterest-bearing | 8% | 14% |
Brokered deposits are 12.8% of deposits (peers 9.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 3.49% | 0.35% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 1.39% | 1.34% |
| Leverage ratio | 11.39% | 10.34% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Hall County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/exchange-bank-kearney-ne