BlastPoint's Banking Scorecard
American Exchange Bank
Designations: ✓ Community bank
Elmwood, NE
2 branches across NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +10.7% year over year ($61.8M on the books).
- Delinquency rate 1.00%.
- Return on assets 2.28%.
- Efficiency ratio 49.60% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Exchange Bank shows strong momentum with 4 strengths and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.28% above tier average
- + Efficiency Ratio 69.80% below tier average
- + Net Interest Margin 0.55% above tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.7M
+5.2% YoY
-6.8% QoQ
|
+$7.2M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$47.6M
+4.4% YoY
+1.8% QoQ
|
+$12.7M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$61.8M
+10.7% YoY
-8.0% QoQ
|
+$10.2M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
2.28%
-17.8% YoY
+2.0% QoQ
|
+1.28% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 7.3% in tier |
| Net Interest Margin ? |
4.47%
-0.3% YoY
+1.8% QoQ
|
+0.55% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
49.60%
+8.9% YoY
-1.2% QoQ
|
-69.80% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 9.3% in tier |
| Delinquency Rate ? |
1.00%
+3.5% YoY
+29.3% QoQ
|
-0.48% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
77.00%
-5.7% YoY
+10.7% QoQ
|
+2.79% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
26.40%
-6.4% YoY
-16.8% QoQ
|
+2.91% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.68%
+2.6% YoY
+41.3% QoQ
|
-0.16% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
9.63%
-17.6% YoY
+4.5% QoQ
|
-17.50% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.5% in tier |
| Non-Interest Income / Assets ? |
0.14%
-67.8% YoY
+74.6% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
54% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.4%
-1.8pp YoY -5.3pp QoQ |
+1.8pp | 24.6% | 17.6% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.7%
+1.7pp YoY +0.3pp QoQ |
+9.3pp | 13.4% | 12.3% | 12.5% | 84% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
15.7%
+0.9pp YoY +1.2pp QoQ |
-19.3pp | 35.0% | 16.9% | 31.3% | 31% |
| Consumer |
2.7%
-0.4pp YoY +0.1pp QoQ |
-5.0pp | 7.7% | 3.1% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-2.1pp YoY +0.4pp QoQ |
-8.1pp | 17.7% | 12.1% | 12.6% | 14% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 98 | 482 | 36% |
| Assets per Employee ($) |
$7.7M
+5.2% YoY -6.8% QoQ |
+$1.6M | $6.2M | $8.5M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.0% | 0.4% | 0.4% | 65% |
| Nonaccrual | 0.3% | -1.5pp | 1.7% | 0.8% | 1.0% | 27% |
| Allowance Coverage |
1.46x
-0.3% YoY -24.2% QoQ |
-4.95x | 6.41x | 31.69x | 20.23x | 52% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
26.0%
-0.9pp YoY -0.5pp QoQ |
+19.6pp | 6.4% | 12.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.9% | 1.7% | 54% |
| Net Income ($, YTD) |
$812,000
-13.4% YoY — QoQ |
+$494K | $317,817 | $6.1M | $40.4M | 91% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.