BanksEXCHANGE BANK OF MISSOURI

EXCHANGE BANK OF MISSOURI

FAYETTE, MOSmallEst. Nov. 19, 1927, midnightFDIC #1616RSSD #686459FED
Latest · 2025-12-31

EXCHANGE BANK OF MISSOURI is an 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%. CET1 capital ratio: 11.17%, well above regulatory minimums. NPL ratio: 2.30% · Texas Ratio: 22.79%. Operates 6 domestic branches.

Assets
$431M
Deposits
$390M
Loans
$336M
Equity
$39M

Profitability

Return on Assets (ROA)1.52%
Return on Equity (ROE)16.75%
Net Interest Margin4.44%
Yield on Assets7.23%
Cost of Funds2.84%

Asset Quality

NPL Ratio2.30%
Net Charge-Off Ratio-0.01%
Texas Ratio22.79%
NPA Ratio2.24%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio11.17%
Tier 1 Capital11.17%
Total Capital Ratio12.15%
Leverage Ratio8.93%
Loan-to-Deposit86.20%

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