Exchange Bank of Missouri
BankRegReports is independent of Exchange Bank of Missouri and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Exchange Bank of Missouri is an FDIC-insured commercial bank headquartered in Fayette, MO, established in 1927 (FDIC certificate 1616), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $453.8M, up 12.2% from Q2 2025, the 75th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.47% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1616
- Headquarters
- Fayette, MO
- Established
- 1927
- Total assets, Q2 2026
- $453.8M
- Assets vs Q2 2025
- +12.2%
- CET1 ratio, Q2 2026
- 11.47%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101917623
- Latest call report
- Q2 2026, FFIEC 041 · Exchange Bank of Missouri call report
- Holding company
- EXCHANGE BANCORP OF MISSOURI, INC.
- Asset rank in state
- 75th of 191 in Missouri
Exchange Bank of Missouri pays more for its money than most banks of its size. Based in Fayette, Missouri, it had $454 million in assets at June 30, 2026, up 12.2% from a year earlier. It pays an average of 2.81% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 25.1% of the capital and reserves that would absorb them, 9.5 times the median of 2.6% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 7.8% and deposits rose 11.8%. Where it has less room is capital: it holds common equity equal to 11.47% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Exchange Bank of Missouri reported a CET1 capital ratio of 11.47%, a return on assets of 1.30%, a nonperforming-loan ratio of 2.59% and a Texas ratio of 25.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Exchange Bank of Missouri is the 75th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $453.8M, loans rose 2.8% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 37.2% of total loans, ahead of 1-4 family residential loans at 20.4%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MO; its Fayette office books 30% of its branch deposits. By the capital ratios in its Q2 2026 call report, Exchange Bank of Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Church St, Fayette, MO 65248
- County
- Howard
- Metro Area
- Columbia, MO
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 19, 1927
- Former names
- Exchange National Bank of Howard County (1982-1986); Exchange Bank of New Franklin, National Association (1982)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $409.7M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $445.7M
- Average total loans
- $344.2M
- Average interest-bearing deposits
- $350.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1616
- Fed RSSD
- 686459
- Website
- www.ebmo.com →
- Parent Holding Company
- EXCHANGE BANCORP OF MISSOURI, INC. (RSSD 4209904)
- Ultimate Parent
- NORTHERN MISSOURI BANCSHARES, INC. (RSSD 1249495)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Exchange Bank of Missouri's total assets ran between $344.2M (Q3 2023) and $453.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$453.8M total assets against $404.4M; $412.0M total liabilities against $368.4M.
$344.4M net loans and leases against $319.3M; $409.7M total deposits against $366.6M.
$33.5M securities against $31.8M; $50.8M cash and balances due against $29.7M.
$7.1M total interest income against $6.8M; $2.9M total interest expense against $2.8M.
$4.2M net interest income against $4.0M.
$476K total noninterest income against $502K; $2.7M total noninterest expense against $2.5M.
$68K provision for credit losses against $68K.
$1.5M net income against $1.4M.
1.30% return on assets against 1.45%; 4.02% net interest margin against 4.28%.
11.47% CET1 capital ratio against 11.29%; 9.51% tier 1 leverage ratio against 9.44%.
Inside the full Exchange Bank of Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExchange Bank of Missouri rankings
Its closest position to the top of a national ranking is 99 of 3,640, for Texas Ratio; its furthest is 1,850 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q1 2025) to 2.72% (Q1 2026) and its net interest margin ran from 3.85% (Q1 2025) to 4.35% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.30% | 2.59% | 25.11% | 4.02% |
| Q1 2026 | 11.68% | 2.72% | 2.31% | 22.52% | 4.12% |
| Q4 2025 | 11.17% | 1.47% | 2.30% | 23.86% | 4.29% |
| Q3 2025 | 11.17% | 1.48% | 2.89% | 24.12% | 4.35% |
| Q2 2025 | 11.29% | 1.45% | 2.68% | 24.12% | 4.28% |
| Q1 2025 | 11.39% | 1.07% | 2.54% | 22.61% | 3.85% |
| Q4 2024 | 11.81% | 1.36% | 0.61% | 5.04% | 4.00% |
| Q3 2024 | 11.62% | 1.29% | 0.61% | 5.05% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 of Missouri (main office) | Fayette , MO | 65248 | $121.8M |
| Marshall Branch | Marshall , MO | 65340 | $103.7M |
| State Bank of Slater Branch | Slater , MO | 65349 | $63.8M |
| Fulton Branch | Fulton , MO | 65251 | $48.1M |
| New Franklin Branch | New Franklin , MO | 65274 | $42.1M |
| Hallsville Branch | Hallsville , MO | 65255 | $30.2M |
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 |
|---|---|---|---|
| November 16, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2012 | Structure Change | Acquired State Bank of Slater 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); 1 against individuals associated with it
- August 14, 2006, Federal Reserve: Written Agreement: Exchange Bank of Missouri, Fayette, MO
- Period: Most recent institution action August 14, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MO, rank 90 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $390K approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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
Add this badge to your website
Free to use. It shows Exchange Bank of Missouri’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Exchange Bank of Missouri
What are Exchange Bank of Missouri's total assets?
As of the Q2 2026 filing, Exchange Bank of Missouri reported total assets of $453.8 million in its FFIEC call report.
Where is Exchange Bank of Missouri headquartered?
It is headquartered in Fayette, MO, United States.
When was Exchange Bank of Missouri founded?
It was established in 1927, per the FDIC institution directory.
Is Exchange Bank of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank of Missouri?
Exchange Bank of Missouri's primary federal regulator is the Federal Reserve.
What is Exchange Bank of Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Exchange Bank of Missouri operate?
It operates 6 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 of Missouri's Texas Ratio?
Its Texas Ratio is 25.11% 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 of Missouri previously called?
The charter now named Exchange Bank of Missouri has also operated as Exchange National Bank of Howard County (1982-1986), Exchange Bank of New Franklin, National Association (1982), per FDIC structure-change records.
Go deeper on Exchange Bank of Missouri.
Get an email when Exchange Bank of Missouri files its next call report, and benchmark it against any peer you choose.
Unlock Exchange Bank of Missouri, freeFree account