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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elmwood, NE · FDIC certificate #10647
AMERICAN EXCHANGE BANK is an FDIC-insured institution based in Elmwood, NE (FDIC certificate #10647). In its Q3 2026 Call Report it reported total assets of $71M, total deposits of $60M and net loans of $53M. Its primary federal regulator is FED.
Plain-language readout
AMERICAN EXCHANGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $75M in Q1 2026 and were lowest at $70M in Q2 2026.
Total deposits were highest at $67M in Q1 2026 and lowest at $60M in Q3 2026.
Over the whole period total assets fell 5.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $71M | $60M | $53M | 2.29% | 25.73% | 4.50% |
| Q2 2026 | $70M | $62M | $48M | 2.28% | 26.00% | 4.47% |
| Q1 2026 | $75M | $67M | $47M | 2.23% | 26.50% | 4.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.5M | $2.4M | -$923K | -38.4% |
| Federal funds sold | $3.8M | $8.8M | -$5.0M | -56.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.4M | $15.5M | -$81K | -0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $47.6M | $46.7M | +$845K | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $78K | $63K | +$15K | +23.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.3M | $1.2M | +$63K | +5.1% |
| Total assets | $69.7M | $74.7M | -$5.1M | -6.8% |
| Liabilities | ||||
| Total deposits | $61.8M | $67.2M | -$5.4M | -8.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $1.0M | $1.0M | $0K | 0.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $50K | -$50K | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $280K | $281K | -$1K | -0.4% |
| Total liabilities | $63.1M | $68.5M | -$5.4M | -7.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $5.9M | $5.9M | $0K | 0.0% |
| Retained earnings | $958K | $674K | +$284K | +42.1% |
| Accumulated other comprehensive income | -$380K | -$457K | +$77K | +16.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $6.6M | $6.2M | +$361K | +5.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $474K | $360K | +$114K | +31.7% |
| Adjusted nonperforming assets | $474K | $360K | +$114K | +31.7% |
| Tangible equity plus allowance | $7.3M | $6.9M | +$360K | +5.2% |
| Texas ratio (gross) | 6.52% | 5.21% | +1.31 pts | See points |
| Texas ratio (adjusted) | 6.52% | 5.21% | +1.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.63% | 9.21% | +0.41 pts | See points |
| Construction and land loans to total capital | 0.50% | 2.74% | -2.24 pts | See points |
| Commercial real estate to total capital | 2.10% | 2.74% | -0.64 pts | See points |
| Dividend payout, year to date | 27.71% | 24.81% | +2.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.46% | -6.85% | +1.39 pts | See points |
| Liquidity | ||||
| Core deposits | $56.2M | $62.2M | -$6.0M | -9.6% |
| Non-core funding | $6.6M | $6.1M | +$547K | +9.0% |
| Loans to core deposits | 85.96% | 76.32% | +9.64 pts | See points |
| Loans to deposits | 78.12% | 70.59% | +7.52 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 59.62% | 59.49% | +0.13 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.11% | -0.11 pts | See points |
| Volatile liabilities | $6.6M | $6.1M | +$547K | +9.0% |
| Earnings | ||||
| Earnings before provision, year to date | $812K | $403K | +$409K | +101.5% |
| Earnings before provision, single quarter | $409K | $403K | +$6K | +1.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.72% | 6.62% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | Not reported | Not reported | See points |
| Total interest income to average assets | 5.59% | 5.53% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.99% | 1.02% | -0.03 pts | See points |
| Cost of savings and money market deposits | 1.61% | 1.55% | +0.06 pts | See points |
| Cost of time deposits | 3.19% | 3.20% | -0.01 pts | See points |
| Total interest expense to average assets | 1.36% | 1.39% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $71M | $60M | $53M | 2.29% | 25.73% | 4.50% |
| 2026-06-30 | $70M | $62M | $48M | 2.28% | 26.00% | 4.47% |
| 2026-03-31 | $75M | $67M | $47M | 2.23% | 26.50% | 4.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $55.8M | 0.06% | 131 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.