BlastPoint's Banking Scorecard
Exchange Bank
Designations: ✓ Community bank
Kearney, NE
8 branches across NE · KS
Exchange Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 43.9% in tier
- + Efficiency Ratio 21.44% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34.4% in tier
- - Delinquency Rate 2.67% above tier average
- - Non-Interest-Bearing Deposit Share 12.80% below tier average
- - Nonperforming Asset Ratio 1.78% above tier average
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+4.5% YoY
-0.9% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$1.1B
+3.8% YoY
-0.5% QoQ
|
-$905.5M |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$1.2B
+3.6% YoY
+0.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.94%
+17.6% YoY
+5.6% QoQ
|
+0.57% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 11.8% in tier |
| Net Interest Margin ? |
3.15%
+9.1% YoY
+2.3% QoQ
|
-0.67% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
39.62%
-11.1% YoY
-3.6% QoQ
|
-21.44% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 7.0% in tier |
| Delinquency Rate ? |
3.56%
+173.7% YoY
+137.0% QoQ
|
+2.67% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.2% in tier |
| Loan-to-Deposit Ratio ? |
87.60%
+0.2% YoY
-1.4% QoQ
|
+3.40% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
8.48%
+12.7% YoY
+6.4% QoQ
|
-12.80% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
2.46%
+173.7% YoY
+131.2% QoQ
|
+1.78% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.2% in tier |
| Tier 1 Capital Ratio ? |
10.77%
+6.4% YoY
-2.9% QoQ
|
-4.39% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.2% in tier |
| Non-Interest Income / Assets ? |
0.07%
-10.2% YoY
-78.1% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.