🏦Bank Scorer

EXCHANGE BANK

KEARNEY, NE · Supervised by FDIC

Est. 1917FDIC #1,435RSSD: FDIC-1435
Part ofEXCHANGE CO→ View all charters
Outstanding Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.94%

Institution Profile

FDIC BankFind

Address

3110 2nd Ave, KEARNEY, NE

County

Buffalo County

Established

April 9, 1917

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$8M

ROA

1.94%

ROE

18.15%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$1.2B

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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