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Exchange Bank of Missouri

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

Fayette, MO

6 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +11.8% year over year ($409.7M on the books).
  • Delinquency rate 2.62%.
  • Return on assets 2.01%.
  • Efficiency ratio 49.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (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

  • + Profitability Leader: Top 10.6% in tier
  • + Revenue Diversifier: Top 21.0% in tier
  • + Net Interest Margin 0.16% above tier average
  • + Efficiency Ratio 14.65% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.70% above tier average
  • - Nonperforming Asset Ratio 1.74% above tier average
Get updates when Exchange Bank of Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $453.8M
+12.2% YoY +1.5% QoQ
+$67.3M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $344.4M
+7.8% YoY +2.8% QoQ
+$86.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $409.7M
+11.8% YoY +1.7% QoQ
+$83.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 2.01%
+59.6% YoY -26.6% QoQ
+0.68% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 13.2% in tier
Net Interest Margin ? 4.14%
+2.1% YoY -1.3% QoQ
+0.16% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 49.83%
-15.1% YoY +14.1% QoQ
-14.65% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 2.62%
-3.4% YoY +12.1% QoQ
+1.70% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 8.0% in tier
Loan-to-Deposit Ratio ? 84.05%
-3.5% YoY +1.2% QoQ
+6.10% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 15.57%
+32.4% YoY +30.7% QoQ
-6.46% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 2.41%
+7.8% YoY +10.6% QoQ
+1.74% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 5.1% in tier
Tier 1 Capital Ratio ? 11.47%
+1.7% YoY -1.7% QoQ
-4.44% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.56%
+139.8% YoY +21.5% QoQ
-0.01% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 8.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 15.6%
+3.8pp YoY
+3.7pp QoQ
 -6.6pp 22.1% 20.9% 22.2% 26%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 6.3%
-0.1pp YoY
-0.3pp QoQ
 -5.2pp 11.6% 12.3% 12.5% 28%
CRE 25.0%
+0.3pp YoY
-0.9pp QoQ
 -14.6pp 39.5% 36.8% 41.4% 26%
1-4 Family 20.6%
+2.3pp YoY
+0.8pp QoQ
 -12.0pp 32.6% 31.9% 31.3% 31%
Consumer 1.0%
-0.1pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 4.1% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 11.5%
+0.2pp YoY
-0.2pp QoQ
 -7.4pp 18.8% 18.5% 19.7% 12%
Leverage Ratio 9.5%
+0.1pp YoY
0.0pp QoQ
 -2.7pp 12.2% 11.6% 12.6% 22%
Total Capital Ratio 12.5%
+0.2pp YoY
-0.2pp QoQ
 -7.5pp 19.9% 19.6% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 67
+6 (+9.8%) YoY
0 QoQ
 +8 58 162 482 68%
Assets per Employee ($) $6.8M
+2.2% YoY
+1.5% QoQ
 -$744K $7.5M $8.0M $8.8M 48%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 9%
Nonaccrual 2.6%
+0.2pp YoY
+0.3pp QoQ
 +1.7pp 0.9% 0.8% 1.0% 92%
Allowance Coverage 0.40x
+2.9% YoY
-12.7% QoQ
 -23.75x 24.15x 10.47x 20.23x 6%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 21.9%
+7.4pp YoY
-8.0pp QoQ
 +9.7pp 12.2% 14.3% 11.6% 92%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.8% 1.7% 94%
Net Income ($, YTD) $4.5M
+77.1% YoY
— QoQ
 +$1.9M $2.6M $11.3M $40.4M 84%

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)

Profitability Leader

growth
#71 of 661 • Top 10.6% in tier

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

Why this signature
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#140 of 661 • Top 21.0% 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: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

213
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#213 of 2643 Top 8.0% in $100M-$1B
349
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#349 of 2643 Top 13.2% in $100M-$1B
437
Efficiency Ratio
profitability
Value: 49.83%
Peer Median: 64.48%
#437 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (2 metrics)

2509
Nonperforming Asset Ratio
credit_quality
Value: 2.41%
Peer Median: 0.67%
#2509 of 2643 Bottom 5.1% in $100M-$1B
2424
Delinquency Rate
credit_quality
Value: 2.62%
Peer Median: 0.92%
#2424 of 2633 Bottom 8.0% in $100M-$1B
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