BlastPoint's Banking Scorecard

Exchange Bank Co.

$100M-$1B Specialty: Agricultural MO FDIC cert 8274

Kahoka, MO

7 branches across MO

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

Exchange Bank Co. shows strong momentum with 4 strengths and 14.3% YoY asset growth

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 12.3% in tier
+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio 13.71% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Exchange Bank Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$357.6M +14.3% YoY +6.8% QoQ	-$28.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$204.8M +9.2% YoY +2.7% QoQ	-$50.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$324.5M +15.3% YoY +7.7% QoQ	-$3.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	2.05% +61.2% YoY +24.7% QoQ	+0.78%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 11.5% in tier
Net Interest Margin ?	4.31% +1.6% YoY -2.6% QoQ	+0.38%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	51.57% -21.7% YoY -10.5% QoQ	-13.71%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.63% -65.4% YoY -61.9% QoQ	-0.25%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	63.12% -5.3% YoY -4.7% QoQ	-13.52%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	29.42% +18.1% YoY +12.0% QoQ	+7.40%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.43% -61.3% YoY -59.8% QoQ	-0.21%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	12.08% -6.6% YoY -0.9% QoQ	-3.75%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.10% +8.8% YoY -72.5% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	49%

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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 (1)

Profitability Leader

growth

#83 of 666 • Top 12.3% in tier

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

Why this signature

Return on Assets: 2.05%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (4 metrics)

307

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.27%

#307 of 2664 Top 11.5% in $100M-$1B

501

Efficiency Ratio

profitability

Value: 51.57%

Peer Median: 65.29%

#501 of 2664 Top 18.8% in $100M-$1B

525

Non-Interest-Bearing Deposit Share

funding

Value: 29.42%

Peer Median: 22.02%

#525 of 2664 Top 19.7% in $100M-$1B

602

Loan-to-Deposit Ratio

liquidity

Value: 63.12%

Peer Median: 76.64%

#602 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available