Exchange Bank (FDIC #1435): Bank Stress & Real-Estate Credit Exposure
Exchange Bank (FDIC Cert #1435): bank stress 43/100, contained, STABLE over 7 days; parent EXCHANGE CO.
Exchange Bank (#1435) lends in 6 counties across 2 states; Exchange Bank (#1435) reaches 121 ZIP codes: Nebraska 4 counties, 104 ZIPs; Kansas 2 counties, 17 ZIPs.
Exchange Bank (#1435) largest markets: Lancaster County, NE (44 branches, 44 ZIPs) (#1435), Douglas County, NE (37 branches, 37 ZIPs) (#1435), Buffalo County, NE (28 branches, 14 ZIPs) (#1435), Hall County, NE (11 branches, 11 ZIPs) (#1435), Saline County, KS (9 branches, 9 ZIPs) (#1435), Geary County, KS (8 branches, 8 ZIPs) (#1435).
Exchange Bank (#1435) reports $1.58 billion in total assets; Exchange Bank (#1435) equity $178.2 million (11.3% of Exchange Bank (#1435) assets); Exchange Bank (#1435) domestic deposits $1.22 billion; Exchange Bank (#1435) net income $16.7 million; Exchange Bank (#1435) return on assets 2.13%; Exchange Bank (#1435) return on equity 19.60%; Exchange Bank (#1435) net interest income $24.8 million; Exchange Bank (#1435) call report June 30, 2026.
Exchange Bank (#1435) noncurrent real-estate loans 0.04% of its book; Exchange Bank (#1435) net charge-offs on real estate 3.44%; Exchange Bank (#1435) multifamily charge-offs 0.63%; Exchange Bank (#1435) residential charge-offs 2.62%.
Exchange Bank (#1435) net interest margin 3.35% against an eight-quarter Exchange Bank (#1435) average of 2.98% (Exchange Bank (#1435) compression -0.37 points); Exchange Bank (#1435) real-estate loans 4.2% of equity; Exchange Bank (#1435) non-residential real estate 261.8% of equity; Exchange Bank (#1435) rate-exposure score 40/100, Exchange Bank (#1435) fixed-rate trap 40/100; Exchange Bank (#1435) risk type credit driven; Exchange Bank (#1435) rate regime rates elevated, Exchange Bank (#1435) snapshot October 19, 2026.
Exchange Bank (#1435) stress score moved from 48.8 on June 22, 2026 to 43.3 on October 20, 2026; Exchange Bank (#1435) ranged 43.3 to 48.8 over 117 snapshots.
Exchange Bank (#1435) alerts: 6 counties; top Exchange Bank (#1435) alert scores: Lincoln County, NE 39 (moderate); Kearney County, NE 25 (low); Grand Island County, NE 17 (low); Junction City County, NE 17 (low); Omaha County, NE 17 (low).