Headquartered in Elmwood, Nebraska, American Exchange Bank is a state-chartered bank (fed member) with $69.7M in total assets and $61.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1889.
Based on its Q2 2026 filing, American Exchange Bank scores 72/100, which we describe as strong. That is higher than only 45% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 88th. Its strongest component is earnings (100/100; 2.28%), and its lowest is capital cushion (46/100; 9.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (78 → 72), mostly because the capital cushion component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 78 |
| Q4 2024 | 70 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.95% |
| Q3 2024 | 11.09% |
| Q4 2024 | 10.41% |
| Q1 2025 | 10.42% |
| Q2 2025 | 11.68% |
| Q3 2025 | 12.24% |
| Q4 2025 | 9.13% |
| Q1 2026 | 9.21% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.95% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.98% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.11% |
| Q3 2024 | 1.57% |
| Q4 2024 | 1.36% |
| Q1 2025 | 3.52% |
| Q2 2025 | 2.77% |
| Q3 2025 | 2.68% |
| Q4 2025 | 2.19% |
| Q1 2026 | 2.23% |
| Q2 2026 | 2.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $69.7M | 9.63% | 0.98% | 2.28% | 77.0% |
| Q1 2026 | 73 | $74.7M | 9.21% | 0.76% | 2.23% | 69.6% |
| Q4 2025 | 71 | $69.7M | 9.13% | 0.71% | 2.19% | 88.7% |
| Q3 2025 | 80 | $68.2M | 12.24% | 0.68% | 2.68% | 90.0% |
| Q2 2025 | 78 | $66.2M | 11.68% | 0.95% | 2.77% | 81.7% |
| Q1 2025 | 78 | $67.9M | 10.42% | 0.61% | 3.52% | 73.0% |
| Q4 2024 | 70 | $69.3M | 10.41% | 0.61% | 1.36% | 78.6% |
| Q3 2024 | 78 | $67.7M | 11.09% | 0.20% | 1.57% | 86.5% |
| Q2 2024 | 82 | $67.3M | 10.95% | 0.24% | 2.11% | 79.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams State BankBank Adams, NE | 91 out of 100, Very strong | $70.2M | 16.6% | 0.09% | vs |
| Genoa Community BankBank Genoa, NE | 85 out of 100, Very strong | $70.5M | 12.9% | 0.00% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| Nebraska State BankBank Oshkosh, NE | 79 out of 100, Strong | $74.1M | 18.1% | 1.40% | vs |
| Stanton State BankBank Stanton, NE | 74 out of 100, Strong | $64.8M | 9.7% | 0.24% | vs |
| Commercial State BankBank Republican City, NE | 97 out of 100, Very strong | $75.5M | 28.6% | 0.00% | vs |
Deposit insurance
Is my money safe at American Exchange Bank?
Yes. American Exchange Bank is an FDIC-insured institution (FDIC certificate #10647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.0% of deposits ($8.0M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
American Exchange Bank lists 2 offices in 2 cities. Most locations:
- Eagle, NE (1)
- Elmwood, NE (1)
Identity & history
Profile
- Legal name
- American Exchange Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 10647
- RSSD ID
- 1014451
- Primary regulator
- FED
- Holding company
- American Exchange Co
- Established
- July 13, 1889
- Headquarters
- 151 N 4th St, Elmwood, NE 68349
- Website
- www.aebank.com
- Employees
- 9
Quick answers
American Exchange Bank: common questions
Is American Exchange Bank FDIC insured?
Yes. American Exchange Bank is an FDIC-insured institution (FDIC certificate #10647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Exchange Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Exchange Bank ever failed?
There is no failure record for FDIC certificate #10647 in the FDIC failed bank list.
How many branches does American Exchange Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elmwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Liberty First Credit UnionCredit union Lincoln, NE | 86 out of 100, Very strong | $523.4M | 15.1% | 0.79% | vs |