Exchange Bank of Missouri: 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: 6.04 percentage points lower than in Q1 2026, at 40.11%. Within Missouri, Exchange Bank of Missouri is 114th of 192 on return on assets, 1.30% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Exchange Bank of Missouri sits 0.05 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.46% |
| Tier 1 leverage ratio | 9.51% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.59% |
| Non-performing assets ratio | 2.42% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 25.16% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 40.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 13.94% |
| Net interest margin | 4.02% |
| Efficiency ratio | 57.77% |
| Yield on earning assets | 6.71% |
| Cost of funds | 2.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.94% |
| Core deposits to total deposits | 88.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.28% |
| Securities to assets | 7.39% |
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 | 11.04% | 11.04% | 12.08% | 9.55% | -0.87% |
| Q4 2023 | 11.37% | 11.37% | 12.43% | 9.59% | 1.18% |
| Q1 2024 | 11.46% | 11.46% | 12.60% | 9.16% | 1.00% |
| Q2 2024 | 11.70% | 11.70% | 12.79% | 9.31% | 1.13% |
| Q3 2024 | 11.62% | 11.62% | 12.68% | 9.51% | 1.29% |
| Q4 2024 | 11.81% | 11.81% | 12.87% | 9.02% | 1.36% |
| Q1 2025 | 11.39% | 11.39% | 12.42% | 9.24% | 1.07% |
| Q2 2025 | 11.29% | 11.29% | 12.30% | 9.44% | 1.45% |
| Q3 2025 | 11.17% | 11.17% | 12.17% | 9.42% | 1.48% |
| Q4 2025 | 11.17% | 11.17% | 12.15% | 8.93% | 1.47% |
| Q1 2026 | 11.68% | 11.68% | 12.67% | 9.56% | 2.72% |
| Q2 2026 | 11.47% | 11.47% | 12.46% | 9.51% | 1.30% |
Exchange Bank of Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank of Missouri, 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 of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1616) · FFIEC NIC profile (RSSD 686459)