Exchange Bank of Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank of Missouri of Fayette, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 53rd above |
| ROAE | 13.94% | 13.31% | +0.63% | 60th above |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 57.77% | 61.14% | -3.37% | 61st above |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 6.71% | 5.67% | +1.04% | 91st top |
| Cost of Funds | 2.81% | 1.88% | +0.93% | 8th bottom |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.59% | 0.94% | +1.65% | 9th bottom |
| NPA / Total Assets | 2.42% | 0.70% | +1.72% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 40.11% | 1539.39% | -1499.28% | 7th bottom |
| Texas Ratio | 25.16% | 7.32% | +17.84% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 348.72% | 1396.19% | -1047.47% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.47% | 19.51% | -8.04% | 12th bottom |
| Tier 1 Ratio | 11.47% | 19.54% | -8.07% | 12th bottom |
| Total Capital Ratio | 12.46% | 20.63% | -8.17% | 11th bottom |
| Leverage Ratio | 9.51% | 12.14% | -2.63% | 22nd bottom |
| Equity / Assets | 9.21% | 11.38% | -2.17% | 30th below |
| TCE / Tangible Assets | 8.85% | 11.09% | -2.24% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.94% | 80.64% | +4.30% | 40th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.71% | 86.86% | +1.85% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.24% | 6.85% | +5.39% | 88th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.84% | 7.90% | -0.06% | 64th above |
| Deposit Growth (Y/Y) | 11.76% | 6.29% | +5.47% | 87th top |
See Exchange Bank of Missouri's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank of Missouri, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Exchange Bank of Missouri profile, how to read a UBPR, or how this data updates.