Exchange Bank of Missouri: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 5.3% from Q1 2026 to Q2 2026, ending at -$2.2M against -$2.3M. It was the largest change among the key lines on this page. Exchange Bank of Missouri ranks 78th of 98 Missouri banks on CET1 ratio, in the lower half at 11.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Exchange Bank of Missouri sits 3.60 points lower, at 11.47% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.46% |
| Tier 1 leverage ratio | 9.51% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.2M |
| Tier 1 capital | $42.2M |
| Total risk-based capital | $45.8M |
| Total equity capital | $41.8M |
| Risk-weighted assets | $368.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.21% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.38% |
| Internal capital growth rate | 1.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $14.2M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.04% | 11.04% | 12.08% | 9.55% | $286.1M |
| Q4 2023 | 11.37% | 11.37% | 12.43% | 9.59% | $286.4M |
| Q1 2024 | 11.46% | 11.46% | 12.60% | 9.16% | $286.8M |
| Q2 2024 | 11.70% | 11.70% | 12.79% | 9.31% | $289.1M |
| Q3 2024 | 11.62% | 11.62% | 12.68% | 9.51% | $300.4M |
| Q4 2024 | 11.81% | 11.81% | 12.87% | 9.02% | $304.2M |
| Q1 2025 | 11.39% | 11.39% | 12.42% | 9.24% | $321.5M |
| Q2 2025 | 11.29% | 11.29% | 12.30% | 9.44% | $332.8M |
| Q3 2025 | 11.17% | 11.17% | 12.17% | 9.42% | $345.5M |
| Q4 2025 | 11.17% | 11.17% | 12.15% | 8.93% | $356.2M |
| Q1 2026 | 11.68% | 11.68% | 12.67% | 9.56% | $360.3M |
| Q2 2026 | 11.47% | 11.47% | 12.46% | 9.51% | $368.0M |
Exchange Bank of Missouri regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank of Missouri, freeSource: Call Report Schedule RC-R, 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 of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1616) · FFIEC NIC profile (RSSD 686459)