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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Minden, NE · FDIC certificate #5439
MINDEN EXCHANGE B&T CO is an FDIC-insured institution based in Minden, NE (FDIC certificate #5439). In its Q3 2026 Call Report it reported total assets of $201M, total deposits of $137M and net loans of $112M. Its primary federal regulator is FDIC.
Plain-language readout
MINDEN EXCHANGE B&T CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $201M in Q2 2026 and were lowest at $199M in Q1 2026.
Total deposits were highest at $151M in Q1 2026 and lowest at $137M in Q3 2026.
Over the whole period total assets rose 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $201M | $137M | $112M | 1.68% | 8.73% | 4.21% |
| Q2 2026 | $201M | $146M | $108M | 1.59% | 8.30% | 4.15% |
| Q1 2026 | $199M | $151M | $99M | 1.39% | 7.24% | 4.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.1M | $16.2M | -$11.1M | -68.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $80.1M | $75.4M | +$4.7M | +6.2% |
| 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) | $107.8M | $99.4M | +$8.4M | +8.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $252K | $235K | +$17K | +7.2% |
| 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 | $306K | $328K | -$22K | -6.7% |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.9M | $7.6M | +$266K | +3.5% |
| Total assets | $201.4M | $199.1M | +$2.3M | +1.1% |
| Liabilities | ||||
| Total deposits | $146.5M | $151.1M | -$4.6M | -3.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $8.1M | $9.4M | -$1.3M | -13.5% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $7.0M | $0K | +$7.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.3M | +$105K | +8.2% |
| Total liabilities | $163.0M | $161.7M | +$1.2M | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $31.4M | $30.5M | +$889K | +2.9% |
| Accumulated other comprehensive income | -$1.9M | -$2.1M | +$162K | +7.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $38.4M | $37.4M | +$1.1M | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.4M | -$94K | -6.6% |
| Adjusted nonperforming assets | $1.3M | $1.4M | -$94K | -6.6% |
| Tangible equity plus allowance | $39.8M | $38.9M | +$898K | +2.3% |
| Texas ratio (gross) | 3.36% | 3.68% | -0.32 pts | See points |
| Texas ratio (adjusted) | 3.36% | 3.68% | -0.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.00% | 5.36% | -0.37 pts | 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) | 19.84% | 19.89% | -0.05 pts | See points |
| Construction and land loans to total capital | 0.36% | 0.37% | -0.01 pts | See points |
| Commercial real estate to total capital | 17.50% | 17.95% | -0.45 pts | See points |
| Dividend payout, year to date | 18.88% | 43.66% | -24.78 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.54% | -7.10% | +0.55 pts | See points |
| Liquidity | ||||
| Core deposits | $140.7M | $144.6M | -$3.9M | -2.7% |
| Non-core funding | $20.9M | $15.9M | +$5.0M | +31.6% |
| Loans to core deposits | 77.57% | 69.80% | +7.77 pts | See points |
| Loans to deposits | 74.52% | 66.81% | +7.71 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.30% | 70.27% | -0.97 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $20.9M | $15.9M | +$5.0M | +31.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.0M | +$1.2M | +115.4% |
| Earnings before provision, single quarter | $1.2M | $1.0M | +$161K | +15.4% |
| Provision for credit losses, year to date | $300K | $175K | +$125K | +71.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.83% | 6.73% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.92% | 2.83% | +1.09 pts | See points |
| Total interest income to average assets | 4.88% | 4.77% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.35% | 0.35% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.15% | 1.07% | +0.08 pts | See points |
| Cost of time deposits | 3.14% | 3.36% | -0.22 pts | See points |
| Total interest expense to average assets | 0.95% | 0.96% | -0.01 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 | $201M | $137M | $112M | 1.68% | 8.73% | 4.21% |
| 2026-06-30 | $201M | $146M | $108M | 1.59% | 8.30% | 4.15% |
| 2026-03-31 | $199M | $151M | $99M | 1.39% | 7.24% | 4.08% |
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 | $146.3M | 0.16% | 95 | Continuing · +0.01 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.