Exchange Bank of Missouri: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Exchange Bank of Missouri is an FDIC-insured commercial bank. The bank posts a strong 1.30% ROA and 13.94% ROE. Exchange Bank of Missouri's Q2 2026 balance sheet shows $454M in assets funded primarily by $410M in customer deposits. Regulatory capital is solid, 11.47% CET1 and 12.46% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 2.59%. 6 branches make up the footprint.
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%, a Texas ratio of 25.16%, per financial data filed with the FFIEC.
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)
- Offices
- 6 domestic
- Employees (FTE)
- 67
- Domestic deposits
- $409.7M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $39K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Exchange Bank of Missouri terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Exchange Bank of Missouri, freeExchange Bank of Missouri rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Exchange Bank of Missouri: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.30% | 2.59% | 25.16% | 4.02% |
| Q1 2026 | 11.68% | 2.72% | 2.30% | 22.57% | 4.12% |
| Q4 2025 | 11.17% | 1.47% | 2.30% | 23.91% | 4.29% |
| Q3 2025 | 11.17% | 1.48% | 2.34% | 24.18% | 4.35% |
| Q2 2025 | 11.29% | 1.45% | 2.40% | 24.18% | 4.28% |
| Q1 2025 | 11.39% | 1.07% | 2.54% | 22.68% | 3.85% |
| Q4 2024 | 11.81% | 1.36% | 0.02% | 5.11% | 4.00% |
| Q3 2024 | 11.62% | 1.29% | 0.04% | 5.13% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| 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
What the public regulatory sources show for Exchange Bank of Missouri, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Exchange Bank of Missouri headquartered?
Exchange Bank of Missouri is headquartered in Fayette, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Exchange Bank of Missouri founded?
Exchange Bank of Missouri was established in 1927, per the FDIC institution directory.
Is Exchange Bank of Missouri FDIC-insured?
Yes. Exchange Bank of Missouri 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Exchange Bank of Missouri's CET1 capital ratio?
Exchange Bank of Missouri 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?
Exchange Bank of Missouri 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?
Exchange Bank of Missouri's Texas Ratio is 25.16% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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