Bank Comparison
Exchange Bank of Missouri vs Community Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| CET1 Ratio | 11.68% | 26.87% |
| Tier 1 Capital Ratio | 11.68% | 26.87% |
| Total Capital Ratio | 12.67% | 28.12% |
| Tier 1 Leverage Ratio | 9.56% | 8.22% |
| Equity / Assets | 9.29% | 8.25% |
Profitability
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 2.72% | 1.00% |
| Return on Equity (ROE) | 29.85% | 12.25% |
| Net Interest Margin (NIM) | 4.12% | 3.52% |
| Yield on Earning Assets | 6.78% | 4.11% |
| Cost of Funds | 2.79% | 0.63% |
Asset quality
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| Texas Ratio | 22.57% | 0.40% |
| Non-Performing Loan Ratio | 2.30% | 0.07% |
| Non-Performing Asset Ratio | 2.18% | 0.03% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.06% | 0.98% |
Balance sheet
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| Total Assets | $447,040K | $441,949K |
| Total Deposits | $403,044K | $391,745K |
| Total Loans | $338,503K | $196,401K |
| Total Equity | $41,537K | $36,459K |
| Net Income (quarter) | $3,001K | $1,109K |
Liquidity & funding
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 83.99% | 50.13% |
| Core Deposit Ratio | 87.86% | 97.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Exchange Bank of Missouri | Community Bank and Trust |
|---|---|---|
| Headquarters City | FAYETTE | NEOSHO |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 6 | 13 |
| Employees (FTE) | 67 | 118 |
| Established | Nov. 19, 1927, midnight | Jan. 1, 1884, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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