EXCHANGE BANK CO.

KAHOKA, MO | Small | Est. Sept. 8, 1903, midnight | FDIC #8274 | RSSD #2747466 | FED
Latest Report: 2025-12-31

EXCHANGE BANK CO. is asn small FDIC-insured commercial bank headquartered in KAHOKA, MO, established in Sept. 8, 1903, midnight. As of 2025-12-31, the bank reported total assets of $335M and total deposits of $301M. Profitability stands at 1.77% ROA and 18.83% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 12.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.64% and a Texas Ratio of 10.45%. FDIC Certificate #8274.

Assets

$335M

Deposits

$301M

Loans

$203M

Equity

$31M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 18.83%
Net Interest Margin (NIM) 4.59%
Yield on Assets 6.25%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 1.64%
Net Charge-Off Ratio 0.07%
Texas Ratio 10.45%
NPA Ratio 1.06%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 12.20%
Tier 1 Capital 12.20%
Total Capital Ratio 13.45%
Leverage Ratio 9.11%
Loan-to-Deposit 67.23%

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