BlastPoint's Banking Scorecard
Exchange Bank
Community
Specialty: Commercial
NE
FDIC cert 1435
Kearney, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Exchange Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 45% in Community
- + Efficiency Ratio 21.52% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.07% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.6% YoY
+2.1% QoQ
|
+$182.2M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.1B
+5.3% YoY
+0.7% QoQ
|
+$89.7M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.2B
-0.4% YoY
+0.5% QoQ
|
+$34.7M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.83%
+15.5% YoY
+3.5% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.08%
+15.4% YoY
+2.0% QoQ
|
-0.58% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
41.11%
-13.9% YoY
-2.4% QoQ
|
-21.52% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.50%
+196.6% YoY
-13.6% QoQ
|
+0.87% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
88.81%
+5.7% YoY
+0.2% QoQ
|
+5.75% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
7.98%
+8.4% YoY
+2.3% QoQ
|
-13.07% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.06%
+202.3% YoY
-14.3% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
+2.2% YoY
+42.0% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#168 of 371 · Top 45% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
41.11%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
7.98%
(Tier avg: 21.05%, National avg: 21.79%)
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
95
95th pctile
Efficiency Ratio
Current: 41.11% · Tier avg: 62.63%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.98% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.98% · Tier avg: 21.05%
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 41.11% · Tier avg: 62.63%