EXCHANGE BANK OF MISSOURI

FAYETTE, MO | Small | Est. Nov. 19, 1927, midnight | FDIC #1616 | RSSD #686459 | FED
Latest Report: 2025-12-31

EXCHANGE BANK OF MISSOURI is asn small FDIC-insured commercial bank headquartered in FAYETTE, MO, established in Nov. 19, 1927, midnight. As of 2025-12-31, the bank reported total assets of $431M and total deposits of $390M. Profitability stands at 1.52% ROA and 16.75% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.30% and a Texas Ratio of 22.79%. FDIC Certificate #1616.

Assets

$431M

Deposits

$390M

Loans

$336M

Equity

$39M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 16.75%
Net Interest Margin (NIM) 4.44%
Yield on Assets 7.23%
Cost of Funds 2.84%

Asset Quality

NPL Ratio 2.30%
Net Charge-Off Ratio -0.01%
Texas Ratio 22.79%
NPA Ratio 2.24%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 12.15%
Leverage Ratio 8.93%
Loan-to-Deposit 86.20%

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