Bank · FDIC insured
Exchange Bank
A $1.6B bank headquartered in Kearney, NE, with 7 branches in 2 states. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs894.25%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Exchange Bank
Exchange Bank is a bank that was chartered in 1894.
The institution operates branches across communities in Nebraska and Kansas.
- Headquarters
- 3110 2nd Ave, Kearney, NE 68847
- FDIC certificate
- 1435 ↗
Branches
7 branches in 2 states
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Nebraska
5 branches
Kearney area · 2
- Exchange BankMain office3110 2nd Ave, Kearney, NE 68847Directions
- Gibbon Branch14 Labarre St, Gibbon, NE 68840Directions
Grand Island area · 1
- Exchange Bank, Grand Island Branch1204 Allen Dr, Grand Island, NE 68803Directions
Lincoln area · 1
- Exchange Bank Branch7655 Pioneers Blvd, Lincoln, NE 68506Directions
Omaha area · 1
- Exchange Bank8008 W Dodge Rd, Omaha, NE 68114Directions
Kansas
2 branches
Manhattan area · 1
- Exchange Bank702 N Washington St, Junction City, KS 66441Directions
Salina area · 1
- Exchange Bank1720 S Ohio St, Salina, KS 67401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.39% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.49% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.13% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalLeverage ratio11.39%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.49%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.13%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Exchange Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.