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.

From Q2 2025 to Q2 2026, the score fell 10 points (64 → 54), mostly because the loan quality component weakened by 56 points.

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

Yes. Exchange Bank is an FDIC-insured institution (FDIC certificate #1435). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($335.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.39%, well 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%).

Check how much of your own balance is covered

Exchange Bank lists 7 offices in 7 cities across 2 states. Most locations:

• Gibbon, NE (1)
• Grand Island, NE (1)
• Junction City, KS (1)
• Kearney, NE (1)
• Lincoln, NE (1)
• Omaha, NE (1)
• Salina, KS (1)

All branch addresses and map

In 2025, Exchange Bank reported 651 home-loan applications under HMDA (LEI 2549004ZRHLORHQ9LT73): 561 originated ($134,015,000 total), 21 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Exchange Bank

Type

State-chartered bank

FDIC certificate #

1435

RSSD ID

492650

Primary regulator

FDIC

Holding company

Exchange Co

Established

April 9, 1917

Headquarters

3110 2nd Ave, Kearney, NE 68847

Website

www.eb-us.com

Employees

131