Minden Exchange Bank & Trust Company is a state-chartered bank headquartered in Minden, Nebraska, in business for about 143 years. At the end of Q2 2026 it reported $201.4M in total assets and $146.5M in deposits, with 1 office.
Minden Exchange Bank & Trust Company has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 37th. Capital cushion contributes the most (100/100, 19.84%); loan quality contributes the least (59/100, 1.23%).
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 rose 4 points (78 → 82), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 97 |
| Q3 2024 | 92 |
| Q4 2024 | 95 |
| Q1 2025 | 95 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 87 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.76% |
| Q3 2024 | 19.86% |
| Q4 2024 | 20.96% |
| Q1 2025 | 19.88% |
| Q2 2025 | 20.07% |
| Q3 2025 | 19.62% |
| Q4 2025 | 20.22% |
| Q1 2026 | 19.89% |
| Q2 2026 | 19.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.18% |
| Q2 2025 | 1.96% |
| Q3 2025 | 1.87% |
| Q4 2025 | 0.69% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.80% |
| Q3 2024 | 1.63% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.96% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $201.4M | 19.84% | 1.23% | 1.59% | 73.6% |
| Q1 2026 | 81 | $199.1M | 19.89% | 1.42% | 1.39% | 65.8% |
| Q4 2025 | 87 | $190.0M | 20.22% | 0.69% | 1.54% | 74.8% |
| Q3 2025 | 79 | $197.9M | 19.62% | 1.87% | 1.96% | 79.4% |
| Q2 2025 | 78 | $192.0M | 20.07% | 1.96% | 1.67% | 67.5% |
| Q1 2025 | 95 | $193.4M | 19.88% | 0.18% | 1.70% | 60.1% |
| Q4 2024 | 95 | $185.0M | 20.96% | 0.07% | 1.68% | 66.1% |
| Q3 2024 | 92 | $189.8M | 19.86% | 0.29% | 1.63% | 71.3% |
| Q2 2024 | 97 | $184.8M | 19.76% | 0.01% | 1.80% | 62.4% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| York State BankBank York, NE | 90 out of 100, Very strong | $200.2M | 13.9% | 0.20% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Farmers and Merchants BankBank Milligan, NE | 78 out of 100, Strong | $215.4M | 11.1% | 0.19% | vs |
| United Republic BankBank Elkhorn, NE | 36 out of 100, Low | $185.8M | 11.6% | 4.89% | vs |
Deposit insurance
Is my money safe at Minden Exchange Bank & Trust Company?
Yes. Minden Exchange Bank & Trust Company is an FDIC-insured institution (FDIC certificate #5439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($36.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.84%, 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%).
1 location
Branches
Minden Exchange Bank & Trust Company lists 1 office in 1 city. Most locations:
- Minden, NE (1)
Identity & history
Profile
- Legal name
- Minden Exchange Bank & Trust Company
- Former names
- The Minden Exchange National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5439
- RSSD ID
- 456054
- Primary regulator
- FDIC
- Holding company
- Armstrong Financial Co
- Established
- September 1, 1883
- Headquarters
- 448 N Minden Ave, Minden, NE 68959
- Website
- www.mindenexchange.com
- Employees
- 25
Quick answers
Minden Exchange Bank & Trust Company: common questions
Is Minden Exchange Bank & Trust Company FDIC insured?
Yes. Minden Exchange Bank & Trust Company is an FDIC-insured institution (FDIC certificate #5439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Minden Exchange Bank & Trust Company's TellerScore?
82 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 Minden Exchange Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #5439 in the FDIC failed bank list.
How many branches does Minden Exchange Bank & Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Minden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Town & Country BankBank Ravenna, NE | 92 out of 100, Very strong | $228.9M | 14.1% | 0.00% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Custer Federal State BankBank Broken Bow, NE | 80 out of 100, Strong | $120.7M | 12.0% | 0.00% | vs |