# EXCHANGE BANK
KEARNEY, NE · FDIC certificate 1435 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.58B | |
| Deposits | $1.22B | |
| Loans and leases | $1.09B | |
| Total equity | $178.2M | |
| Loans / deposits | 88.04% (p53 of band) | 87.10% |
| Liquid assets / assets | 26.78% (p69 of band) | |
| Uninsured deposits / deposits | 27.50% (p40 of band) | 30.76% |
| Brokered deposits | 9.90% | |
| Wholesale funding | 20.84% (p90 of band) | |
| FHLB advances / assets | 10.93% | |
| Tier 1 leverage | 11.39% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | -5.56% (p61 of band) | -7.75% |
| AOCI / equity | 0.59% (p94 of band) | |
| ROA (annualized) | 2.13% (p92 of band) | 1.26% |
| Net interest margin | 3.35% (p29 of band) | 3.70% |
| Efficiency ratio | 37.27% (p6 of band) | |
| Noncurrent loans | 3.49% (p97 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 39.91% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 68.25% (p70 of band) | |
| Auto loans | $2.4M (0.22% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 131 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | loans exceed deposits |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | loans exceed deposits |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 4 | brokered >10%, reserve under noncurrent |  |
| 2018-12 | 2 |  | brokered >10%, reserve under noncurrent |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 | capital falling | securities losses >30% of equity |
| 2023-03 | 2 | brokered >10% | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 2 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | noncurrent p90 |  |
| 2026-06 | 3 |  | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-30 [Exchange Bank (NE) Review - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTE5LTTA0TGNDR0hJQzVQRHNEODJWT3JMTVB5Tl9uQVdyLVBiVDNxUWNVNnJpZHNfSVpQTVNkdVVmNEgySEZEMF9GZHZkdVdKSGEzdnQ1VG16QkNuMGtkeHJEZ0hZd0QzdzNnT3pfbC1seGtMdVN5N3ZuS3RyTQ?oc=5) · SmartAsset
- 2026-02-17 [Exchange Bank doubles down on face-to-face relationships amid industry trend away from branches - The Press Democrat](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbVNseTZrMWFBSVAyU2JUWU8wZVdEcWU4dUNZNllFTzJUdTRnUVpQXzJuZjZFSW8walQybDE4QkhtcnY3UE9YLWZHWTdfV3hrU3ZuTDVTZElIWnMwbkw5OHd0VE44ek5JZk5EUW9RQm5wWm1jaEJ2N1I3N2hhY2Q1N3g3d0hEVnpHZGNqTHlQVU8?oc=5) · The Press Democrat
- 2026-07-13 [Antwerp Exchange Bank to Open Full-Service Branch in Paulding - West Bend News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPY0E3ZmpWSW53MU1jSmRJVFlZc2h2bHFSb2FnMnJYSzBHeTVadlpaT2toLWpJRmg4YkF3Qk1uMDRvNUJhQTlQUzkwVU1BNjM3WDM0UU1RV2Y2Q1lEaXBQOEE4UjRxOVJ3Zmkza2wzaWRGQVF4VHFsOWtMNWJYTHBrdUFzek9kWmdNUjlsckt2SWVtd0VUSjZqM0VNamV0bm5XOGc?oc=5) · West Bend News
- 2026-02-12 [Exchange Bank expands into Marin County. Is Silicon Valley next? - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeUVBY0lkdm9NenVUamhPVkV2TG9yRUxRN1VWVmlKVXRnUWNFUGc1TlFCUW5ZcV9SUzhUYWRETW5mY1FKNFA0VXVjX0hRNFRoMXRJTzNaU196RDVMbE1yMXI4QlZZRkI0MlBxMWZOZVk1V29Lc3JvdDM3cHh4eFNWTlQydjFLVFpYOVZDQ2I2cWt4bkM1ZFhaalBSc1NLVEo5V2hfMFRZMFI1bDYyb0p4WA?oc=5) · The Business Journals
- 2026-01-12 [GW Platt Foreign Exchange Bank Awards 2026: Global Winners - Global Finance Magazine](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcHZmbTh1dGkzRkliRVNWVmdwZmltZzRfcmQtWERoUEtxanBnNGJjRlVtb0gyNmswS1h6d0FLcWVydzBzU3pIT0JOdmo0RmkxQVpRUExuUlQ1OUwwdTlUbjladWpXQkEtNlI1Uzl5WG12TVR5c1d3ek0zVEVWeGlWN0VYdGhzSFg1WnNyLWlIZVFTZzVIZ1VfajJ3a28?oc=5) · Global Finance Magazine
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2026-04-13 [Elmwood Sen. Rob Clements reflects on 10 years of service in Nebraska Legislature - Nebraska Examiner](https://news.google.com/rss/articles/CBMivgFBVV95cUxNckRVaE1YTkJsdF9kdWFHN3JVNDI2QmZnaEdwTy1tbDNxSG1Ob1Jad1JTVXlLTmFFZE9uQVpLaXFTTXJVZTJPeFMtUlBKU2RVSGV5eHk2cE5JOTZycGE4bVBmb0tISDFob0hqem1zTmxMQ2lmakVIblNSYnBaUFZXenc3NGNXRkl3b0daUktHSzdHV3h2Vk9qV29PNlpBemJVWkFULXJxNXdtSFF6LWI4S1B6S0FXYTg3ZzVEUjZR?oc=5) · Nebraska Examiner
- 2025-10-20 [Historic Roanoke bank turns into vibrant hotel - WDBJ7](https://news.google.com/rss/articles/CBMihwFBVV95cUxOcmJWc2U0RE1JSUhmZkNZRl85VUhDQWI1Umtud2hyel9nc0RXbmZHRlJYSFYxR28wTUR3MXRMUnZ4X2Z2ZU04TGlWa3dUTDJQMFZ5bHU4WFVkU2dRTDNROVRoMlZSVmdsbDJqUVZoZExJWXZieUVldHNKWWNRQjBqTnQxRm1BME3SAZsBQVVfeXFMTjdqcTRZcnNnUG80cWsyTENUVEdnbm45UVNQNmJJc2dOT1dFMzFCejRGQ1BNbldxRThlcnRRZk5QMWVNRGxrbmpEbzZ3NDFNVl8wRzV3YkJwUDBSQjNkYnEyVW9nVHVOUEI0cXlZX01vY2cteXNEUThiVHBuWVQ5dUtBLUN2Vms5ZmNIX2U2S0huTlJ5MUNNSTZxTDg?oc=5) · WDBJ7

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1435 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "1435", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide