BlastPoint's Banking Scorecard
American Exchange Bank
Micro
Specialty: Agricultural
NE
FDIC cert 10647
Designations: ✓ Community bank
Elmwood, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
American Exchange Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.7M
+0.6% YoY
+2.3% QoQ
|
-$147.8M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$50.1M
+12.7% YoY
+4.4% QoQ
|
-$89.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$56.5M
-0.1% YoY
+5.8% QoQ
|
-$127.2M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
2.19%
+61.1% YoY
-18.5% QoQ
|
+1.10% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.53%
+19.1% YoY
-0.8% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
55.29%
-8.1% YoY
+20.6% QoQ
|
-12.44% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.72%
+16.2% YoY
+4.2% QoQ
|
+0.08% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
88.73%
+12.8% YoY
-1.4% QoQ
|
+14.20% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
26.46%
-27.1% YoY
-8.8% QoQ
|
+4.07% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.51%
-68.2% YoY
-33.7% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.56%
+68.3% YoY
+26.0% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.29% · Tier avg: 67.73%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.46% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.73% · Tier avg: 74.53%
20
20th pctile
Total Loans
Current: $50.1M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $69.7M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $56.5M · Tier avg: $183.7M
Top Weaknesses
13
13th pctile
Total Deposits
Current: $56.5M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $69.7M · Tier avg: $217.5M
20
20th pctile
Total Loans
Current: $50.1M · Tier avg: $139.2M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.73% · Tier avg: 74.53%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.46% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
80
80th pctile
Efficiency Ratio
Current: 55.29% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.08%