Exchange Bank of Missouri: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank of Missouri pays more for its money than most banks of its size. Based in Fayette, Missouri, it had $454 million in assets at June 30, 2026, up 12.2% from a year earlier. It pays an average of 2.81% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 25.1% of the capital and reserves that would absorb them, 9.5 times the median of 2.6% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 7.8% and deposits rose 11.8%. Where it has less room is capital: it holds common equity equal to 11.47% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Exchange Bank of Missouri reported a CET1 capital ratio of 11.47%, a return on assets of 1.30%, a nonperforming-loan ratio of 2.59% and a Texas ratio of 25.11%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 S Church St, Fayette, MO 65248
- County
- Howard
- Metro Area
- Columbia, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 19, 1927
- Former names
- Exchange National Bank of Howard County (1982-1986); Exchange Bank of New Franklin, National Association (1982)
- Offices
- 6 domestic
- Employees (FTE)
- 67
- Domestic deposits
- $409.7M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $445.7M
- Average total loans
- $344.2M
- Average interest-bearing deposits
- $350.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1616
- Fed RSSD
- 686459
- Website
- www.ebmo.com →
- Parent Holding Company
- EXCHANGE BANCORP OF MISSOURI, INC. (RSSD 4209904)
- Ultimate Parent
- NORTHERN MISSOURI BANCSHARES, INC. (RSSD 1249495)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Exchange Bank of Missouri terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Exchange Bank of Missouri, freeExchange Bank of Missouri rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Exchange Bank of Missouri: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.30% | 2.59% | 25.11% | 4.02% |
| Q1 2026 | 11.68% | 2.72% | 2.31% | 22.52% | 4.12% |
| Q4 2025 | 11.17% | 1.47% | 2.30% | 23.86% | 4.29% |
| Q3 2025 | 11.17% | 1.48% | 2.89% | 24.12% | 4.35% |
| Q2 2025 | 11.29% | 1.45% | 2.68% | 24.12% | 4.28% |
| Q1 2025 | 11.39% | 1.07% | 2.54% | 22.61% | 3.85% |
| Q4 2024 | 11.81% | 1.36% | 0.61% | 5.04% | 4.00% |
| Q3 2024 | 11.62% | 1.29% | 0.61% | 5.05% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Exchange Bank of Missouri (main office) | Fayette , MO | 65248 | $121.8M |
| Marshall Branch | Marshall , MO | 65340 | $103.7M |
| State Bank of Slater Branch | Slater , MO | 65349 | $63.8M |
| Fulton Branch | Fulton , MO | 65251 | $48.1M |
| New Franklin Branch | New Franklin , MO | 65274 | $42.1M |
| Hallsville Branch | Hallsville , MO | 65255 | $30.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 16, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2012 | Structure Change | Acquired State Bank of Slater Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Exchange Bank of Missouri, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- August 14, 2006, Federal Reserve: Written Agreement: Exchange Bank of Missouri, Fayette, MO
- Period: Most recent institution action August 14, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MO, rank 90 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $390K approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Exchange Bank of Missouri
What are Exchange Bank of Missouri's total assets?
As of the Q2 2026 filing, Exchange Bank of Missouri reported total assets of $453.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Exchange Bank of Missouri headquartered?
Exchange Bank of Missouri is headquartered in Fayette, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Exchange Bank of Missouri founded?
Exchange Bank of Missouri was established in 1927, per the FDIC institution directory.
Is Exchange Bank of Missouri FDIC-insured?
Yes. Exchange Bank of Missouri is an FDIC-insured commercial bank (FDIC Certificate #1616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank of Missouri?
Exchange Bank of Missouri's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Exchange Bank of Missouri's CET1 capital ratio?
Exchange Bank of Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 11.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Exchange Bank of Missouri operate?
Exchange Bank of Missouri operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Exchange Bank of Missouri's Texas Ratio?
Exchange Bank of Missouri's Texas Ratio is 25.11% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Exchange Bank of Missouri previously called?
The charter now named Exchange Bank of Missouri has also operated as Exchange National Bank of Howard County (1982-1986), Exchange Bank of New Franklin, National Association (1982), per FDIC structure-change records.
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