Exchange Bank Co.
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank Co. is an FDIC-insured commercial bank headquartered in Kahoka, MO, established in 1903 (FDIC certificate 8274), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $341.5M, up 6.6% from Q2 2025, the 91st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8274
- Headquarters
- Kahoka, MO
- Established
- 1903
- Total assets, Q2 2026
- $341.5M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 9.11%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081503814
- Holding company
- LINCOLN COUNTY BANCORP, INC.
- Asset rank in state
- 91st of 191 in Missouri
Exchange Bank Co. is one of the more profitable banks of its size. The Kahoka, Missouri bank had $342 million in assets at June 30, 2026, up 6.6% from a year earlier. It returns 21.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.7 million, 50% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.33% of loans, down from 1.62% a year earlier. Where it has less room is capital: it funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Exchange Bank Co. reported a return on assets of 1.92%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 8.76%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Exchange Bank Co. is the 91st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.5% to $341.5M, loans rose 0.7% and deposits fell 5.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 32.9% of total loans, followed by 1-4 family residential loans at 25.5%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in MO; its Kahoka office books 30% of its branch deposits. On its Q2 2026 call report, Exchange Bank Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 268 N Johnson St, Kahoka, MO 63445
- County
- Clark
- Metro Area
- St. Louis, MO-IL
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1903
- Former names
- Exchange Bank of Northeast Missouri (1998-2025)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $306.1M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $351.7M
- Average total loans
- $208.0M
- Average interest-bearing deposits
- $228.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8274
- Fed RSSD
- 2747466
- SEC CIK
- 1862513 → filed by LINCOLN COUNTY BANCORP, INC.
- Website
- exchangebankco.com →
- Parent Holding Company
- LINCOLN COUNTY BANCORP, INC. (RSSD 1097173)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Exchange Bank Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Exchange Bank Co.'s total assets ran between $212.4M (Q3 2023) and $357.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$341.5M total assets against $320.4M; $309.2M total liabilities against $291.3M.
$206.3M net loans and leases against $189.7M; $306.1M total deposits against $288.2M.
$92.1M securities against $73.7M; $26.4M cash and balances due against $40.3M.
$4.8M total interest income against $4.4M; $1.3M total interest expense against $1.3M.
$3.5M net interest income against $3.2M.
$255K total noninterest income against $251K; $2.1M total noninterest expense against $2.2M.
$0 provision for credit losses against $164K.
$1.7M net income against $1.1M.
1.92% return on assets against 1.41%; 4.30% net interest margin against 4.24%.
9.11% tier 1 leverage ratio against 9.39%.
Inside the full Exchange Bank Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExchange Bank Co. rankings
Its closest position to the top of a national ranking is 579 of 3,611, for ROA; its furthest is 2,275 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q3 2024) to 2.07% (Q3 2025) and its net interest margin ran from 4.00% (Q3 2024) to 5.85% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.11% | 1.92% | 1.33% | 8.76% | 4.30% |
| Q1 2026 | 8.94% | 2.03% | 0.62% | 5.05% | 4.26% |
| Q4 2025 | 9.11% | 1.74% | 1.64% | 11.68% | 4.46% |
| Q3 2025 | 9.54% | 2.07% | 1.63% | 11.52% | 4.43% |
| Q2 2025 | 9.39% | 1.41% | 1.62% | 11.31% | 4.24% |
| Q1 2025 | 9.51% | 1.24% | 1.80% | 12.43% | 4.13% |
| Q4 2024 | 9.62% | 0.81% | 1.89% | 13.29% | 5.85% |
| Q3 2024 | 10.28% | 0.60% | 1.59% | 10.79% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Exchange Bank Co. (main office) | Kahoka , MO | 63445 | $90.8M |
| Memphis Branch | Memphis , MO | 63555 | $71.3M |
| Shelbyville Branch | Shelbyville , MO | 63469 | $41.8M |
| Lancaster Branch | Lancaster , MO | 63548 | $41.0M |
| Queen City Branch | Queen City , MO | 63561 | $26.5M |
| Palmyra Branch | Palmyra , MO | 63461 | $18.2M |
| Wayland Branch | Wayland , MO | 63472 | $16.4M |
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 |
|---|---|---|---|
| October 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2024 | Structure Change | Acquired Kahoka State Bank 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
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 14, 2010, Federal Reserve: Written Agreement: Lincoln County Bancorp, Troy, Missouri; Peoples Bank and Trust Company, Troy, Missouri
- Period: Most recent institution action June 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MO, rank 110 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $21K approved, $21K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Exchange Bank Co.
What are Exchange Bank Co.'s total assets?
As of the Q2 2026 filing, Exchange Bank Co. reported total assets of $341.5 million in its FFIEC call report.
Where is Exchange Bank Co. headquartered?
It is headquartered in Kahoka, MO, United States.
When was Exchange Bank Co. founded?
It was established in 1903, per the FDIC institution directory.
Is Exchange Bank Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank Co.?
Exchange Bank Co.'s primary federal regulator is the Federal Reserve.
How many branches does Exchange Bank Co. operate?
It operates 7 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 Co.'s Texas Ratio?
Its Texas Ratio is 8.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
What was Exchange Bank Co. previously called?
The charter now named Exchange Bank Co. has also operated as Exchange Bank of Northeast Missouri (1998-2025), per FDIC structure-change records.
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