FDIC Cert #10647 · Elmwood, Nebraska · Est. 1889

American Exchange Bank - FDIC Bank Health Profile

A community-scale look at American Exchange Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$70M
Total assets
B
Health grade · Good
2.19%
Return on assets
9.1%
Tier 1 capital

Data updated July 2026

The verdict

American Exchange Bank earns a PlainBankData health grade of B (71/100), with 9.13% Tier 1 capital, profitable at 2.19% ROA, efficient (55% cost ratio).

#3,988
largest of 4,313 FDIC banks by assets
7th
percentile by asset size, nationally
9.13%
Tier 1 ratio - below the 10% well-capitalized line
93rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 10647 · NE B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2945/4307
  • PHOTO-FINISH First International… · ND
  • TIER1-ADEQ 9.1% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-STRONG 2.19% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: First International Bank & Trust, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Exchange Bank

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Exchange Bank · NE …71/100Citizens Savings Bank · IA ·…71/100First International… · ND · …71/100Sweet Water State Bank · AL …71/100Thread Bank · TN · near71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Exchange Bank · July 2026

What American Exchange Bank's Call Report plate shows

American Exchange Bank (FDIC Cert #10647) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,945 of 4,307. Tier 1 capital prints at 9.13%, missing the 10% well-capitalized line. The Texas Ratio is 5.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.19%. Balance-sheet scale is $70M, 3,988th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First International Bank & Trust (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Exchange Bank

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

American Exchange Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American Exchange Bank remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How American Exchange Bank's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
American Exchange Bank's composite health score
Tier 1 Capital Ratio (9.13%) 18/40
Return on Assets (ROA) (2.19%) 25/25
Texas Ratio (5.41%) 16/20
Efficiency Ratio (55.29%) 12/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$70M

Total balance-sheet footings

Total Deposits

$56M

Customer-funded liabilities

Net Loans

$50M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.73% 9.13% 10.53%
Basel III capital ratios - American Exchange Bank

Where American Exchange Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Exchange Bank's score of 71/100 falls in the highlighted band.

American Exchange Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Exchange Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Exchange Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Exchange Bank's $70M falls in the highlighted band.

Safety ratios for American Exchange Bank

Tier 1 capital ratio
Well-capitalized 10%

9.13% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.13%
Texas Ratio
5.41%
Equity Capital
$6M

What these ratios mean →

Earnings posture at American Exchange Bank

Return on Assets (ROA)
93rd percentile nationally
2.19%
Return on Equity (ROE)
21.55%
Efficiency Ratio
55.29%

What these mean →

Income & expense at American Exchange Bank

$4M
Interest Income
$393K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Exchange Bank reports a Texas Ratio of 5.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Exchange Bank on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($70M here), outside Nebraska so the neighborhood is not state containment.

Security Bank and Trust Co. $70M · KY Walters Bank and Trust Company $70M · OK First Citizens Bank of Butte $70M · MT First State Bank $70M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Exchange Bank (FDIC Cert #10647) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Exchange Bank Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%