Exchange Bank Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 133.31 percentage points lower than in Q1 2026, at 109.78%. Within Missouri, Exchange Bank Co. is 48th of 192 on return on assets, 1.92% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Exchange Bank Co. reported 1.92% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 9.46% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 8.76% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 109.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 21.50% |
| Net interest margin | 4.30% |
| Efficiency ratio | 53.07% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.40% |
| Core deposits to total deposits | 93.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.64% |
| Securities to assets | 26.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 13.24% | 14.30% | 10.43% | 1.33% |
| Q4 2023 | 13.22% | 13.22% | 14.35% | 10.38% | 0.80% |
| Q1 2024 | 13.38% | 13.38% | 14.46% | 10.26% | 1.64% |
| Q2 2024 | 13.64% | 13.64% | 14.62% | 10.23% | 1.38% |
| Q3 2024 | 13.41% | 13.41% | 14.45% | 10.28% | 0.60% |
| Q4 2024 | 12.86% | 12.86% | 14.08% | 9.62% | 0.81% |
| Q1 2025 | 12.94% | 12.94% | 14.17% | 9.51% | 1.24% |
| Q2 2025 | 12.71% | 12.71% | 13.96% | 9.39% | 1.41% |
| Q3 2025 | 12.65% | 12.65% | 13.90% | 9.54% | 2.07% |
| Q4 2025 | 12.20% | 12.20% | 13.45% | 9.11% | 1.74% |
| Q1 2026 | 12.08% | 12.08% | 13.33% | 8.94% | 2.03% |
| Q2 2026 | — | — | — | 9.11% | 1.92% |
Exchange Bank Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Exchange Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8274) · FFIEC NIC profile (RSSD 2747466)