BlastPoint's Banking Scorecard

Exchange Bank of Missouri

$100M-$1B Specialty: Agricultural MO FDIC cert 1616

Fayette, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Exchange Bank of Missouri has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 0.6% in tier
+ Profitability Leader: Top 1.0% in tier
+ Efficiency Ratio 21.61% below tier average
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.45% above tier average
- Nonperforming Asset Ratio 1.54% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$447.0M +11.5% YoY +3.7% QoQ	+$61.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$334.9M +10.1% YoY +0.6% QoQ	+$79.2M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$403.0M +10.7% YoY +3.3% QoQ	+$75.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	2.73% +155.0% YoY +98.5% QoQ	+1.46%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 3.2% in tier
Net Interest Margin ?	4.20% +9.1% YoY -0.6% QoQ	+0.27%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	43.68% -29.9% YoY -23.5% QoQ	-21.61%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 7.5% in tier
Delinquency Rate ?	2.33% -9.2% YoY +0.3% QoQ	+1.45%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 9.4% in tier
Loan-to-Deposit Ratio ?	83.09% -0.6% YoY -2.6% QoQ	+6.46%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	11.91% +4.0% YoY -12.8% QoQ	-10.11%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 14.7% in tier
Nonperforming Asset Ratio ?	2.18% +6.4% YoY -2.9% QoQ	+1.54%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 5.5% in tier
Tier 1 Capital Ratio ?	11.68% +2.5% YoY +4.6% QoQ	-4.15%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.46% +322.1% YoY -2.4% QoQ	+0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 3.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#5 of 666 • Top 0.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.46%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#8 of 666 • Top 1.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.73%

Peer Median: 1.27%

#86 of 2664 Top 3.2% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.28%

#98 of 2664 Top 3.6% in $100M-$1B

200

Efficiency Ratio

profitability

Value: 43.68%

Peer Median: 65.29%

#200 of 2664 Top 7.5% in $100M-$1B

Top Weaknesses (3 metrics)

2519

Nonperforming Asset Ratio

credit_quality

Value: 2.18%

Peer Median: 0.64%

#2519 of 2664 Bottom 5.5% in $100M-$1B

2405

Delinquency Rate

credit_quality

Value: 2.33%

Peer Median: 0.89%

#2405 of 2654 Bottom 9.4% in $100M-$1B

2274

Non-Interest-Bearing Deposit Share

funding

Value: 11.91%

Peer Median: 22.02%

#2274 of 2664 Bottom 14.7% in $100M-$1B