BlastPoint's Banking Scorecard

Exchange Bank

$1B-$10B Specialty: Commercial NE FDIC cert 1435

Designations: ✓ Community bank

Kearney, NE

8 branches across NE · KS

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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
Deposits +2.2% year over year ($1.2B on the books).
Delinquency rate 3.54%.
Return on assets 2.13%.
Efficiency ratio 37.27% vs a 59.73% peer average.
Loan-to-deposit ratio 88.04% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE

View $1B-$10B leaderboard (NE) →

Exchange Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 22.5% in tier
+ Efficiency Ratio 22.46% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 34.7% in tier
- Delinquency Rate 2.68% above tier average
- Non-Interest-Bearing Deposit Share 13.24% below tier average
- Nonperforming Asset Ratio 1.78% above tier average
- Net Interest Margin 0.52% below tier average

Get updates when Exchange Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.6B +2.9% YoY +1.0% QoQ	-$1.2B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$1.1B +1.5% YoY +1.3% QoQ	-$889.7M	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$1.2B +2.2% YoY +0.8% QoQ	-$1.1B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	2.13% +22.2% YoY +10.2% QoQ	+0.74%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 7.9% in tier
Net Interest Margin ?	3.35% +12.0% YoY +6.4% QoQ	-0.52%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	37.27% -12.6% YoY -5.9% QoQ	-22.46%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 5.1% in tier
Delinquency Rate ?	3.54% +166.7% YoY -0.5% QoQ	+2.68%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Bottom 3.5% in tier
Loan-to-Deposit Ratio ?	88.04% -0.8% YoY +0.5% QoQ	+3.00%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	8.03% +3.3% YoY -5.3% QoQ	-13.24%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 7.7% in tier
Nonperforming Asset Ratio ?	2.45% +165.1% YoY -0.1% QoQ	+1.78%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 4.6% in tier
Tier 1 Capital Ratio ?	11.39% +10.3% YoY +5.7% QoQ	-3.46%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.13% -10.6% YoY +92.7% QoQ	-0.39%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	15%

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	8.0% +0.3pp YoY -0.4pp QoQ	-13.3pp	21.4%	17.6%	22.2%	7%
Brokered Deposits	12.8% -1.9pp YoY -1.3pp QoQ	+3.3pp	9.5%	8.9%	8.5%	77%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	5.2% -0.6pp YoY +0.1pp QoQ	-8.8pp	14.0%	12.3%	12.5%	18%
CRE	49.9% +0.1pp YoY +0.6pp QoQ	-0.1pp	50.0%	32.3%	41.4%	50%
1-4 Family	23.4% +0.3pp YoY -0.2pp QoQ	-3.0pp	26.4%	16.9%	31.3%	50%
Consumer	0.5% 0.0pp YoY +0.1pp QoQ	-4.3pp	4.7%	3.1%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.1%	19.7%	n/a
Leverage Ratio	11.4% +1.1pp YoY +0.6pp QoQ	+0.1pp	11.3%	12.1%	12.6%	67%
Total Capital Ratio	n/a	n/a	16.7%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	131 -6 (-4.4%) YoY -4 (-3.0%) QoQ	-183	313	98	482	17%
Assets per Employee ($)	$12.0M +7.6% YoY +4.1% QoQ	+$1.5M	$10.5M	$8.5M	$8.8M	78%
Branch Count	8 0 YoY 0 QoQ	-12	20	7	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	1.1% +0.8pp QoQ	+0.9pp	0.2%	0.4%	0.4%	96%
Nonaccrual	2.4% +1.1pp YoY -0.8pp QoQ	+1.6pp	0.8%	0.8%	1.0%	95%
Allowance Coverage	0.40x -62.6% YoY +3.5% QoQ	-18.31x	18.71x	31.69x	20.23x	4%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.3pp QoQ	-0.3pp	0.3%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	19.6% +1.0pp YoY +1.5pp QoQ	+7.0pp	12.6%	12.3%	11.6%	90%
Cost of Funds (YTD)	2.8% -0.3pp YoY 0.0pp QoQ	+0.9pp	1.9%	1.9%	1.7%	92%
Net Income ($, YTD)	$16.7M +27.4% YoY — QoQ	-$2.5M	$19.2M	$6.1M	$40.4M	64%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#51 of 222 • Top 22.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.13%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk

#78 of 222 • Bottom 34.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.39%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 37.27%

Peer Median: 59.73%

#46 of 885 Top 5.1% in $1B-$10B

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.39%

#71 of 885 Top 7.9% in $1B-$10B

Top Weaknesses (5 metrics)

852

Delinquency Rate

credit_quality

Value: 3.54%

Peer Median: 0.87%

#852 of 882 Bottom 3.5% in $1B-$10B

845

Nonperforming Asset Ratio

credit_quality

Value: 2.45%

Peer Median: 0.67%

#845 of 885 Bottom 4.6% in $1B-$10B

818

Non-Interest-Bearing Deposit Share

funding

Value: 8.03%

Peer Median: 21.27%

#818 of 885 Bottom 7.7% in $1B-$10B

752

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#752 of 885 Bottom 15.1% in $1B-$10B

673

Tier 1 Capital Ratio

capital

Value: 11.39%

Peer Median: 14.84%

#673 of 885 Bottom 24.1% in $1B-$10B