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Exchange Bank Co.

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

Kahoka, MO

7 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 +6.2% year over year ($306.1M on the books).
  • Delinquency rate 1.35%.
  • Return on assets 2.01%.
  • Efficiency ratio 52.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.40% 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 Co. has 3 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 13.3% in tier
  • + Net Interest Margin 0.35% above tier average
  • + Efficiency Ratio 11.69% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 42.4% in tier
  • - Delinquency Rate 0.44% above tier average
Get updates when Exchange Bank Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $341.5M
+6.6% YoY -4.5% QoQ
-$45.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $206.3M
+8.7% YoY +0.7% QoQ
-$52.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $306.1M
+6.2% YoY -5.7% QoQ
-$20.6M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.01%
+49.0% YoY -1.9% 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 ? 4.34%
+1.3% YoY +0.7% QoQ
+0.35% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 52.79%
-16.7% YoY +2.4% QoQ
-11.69% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 1.35%
-17.6% YoY +113.9% QoQ
+0.44% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 67.40%
+2.4% YoY +6.8% QoQ
-10.56% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 25.76%
-2.0% YoY -12.4% QoQ
+3.73% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.82%
-18.1% YoY +92.5% QoQ
+0.15% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 9.11%
-28.3% YoY -24.6% QoQ
-6.79% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 1.7% in tier
Non-Interest Income / Assets ? 0.18%
+6.5% YoY +82.6% QoQ
-0.39% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
43%

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 25.8%
-0.5pp YoY
-3.7pp QoQ
 +3.6pp 22.1% 20.9% 22.2% 68%
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 11.4%
-1.0pp YoY
-1.1pp QoQ
 -0.2pp 11.6% 12.3% 12.5% 60%
CRE 15.2%
-0.6pp YoY
-2.6pp QoQ
 -24.3pp 39.5% 36.8% 41.4% 11%
1-4 Family 25.9%
+3.5pp YoY
+3.3pp QoQ
 -6.7pp 32.6% 31.9% 31.3% 43%
Consumer 2.2%
-0.5pp YoY
0.0pp QoQ
 -1.9pp 4.1% 4.1% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.1%
-0.3pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 11.6% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 65
0 YoY
+6 (+10.2%) QoQ
 +6 58 162 482 67%
Assets per Employee ($) $5.3M
+6.6% YoY
-13.3% QoQ
 -$2.3M $7.5M $8.0M $8.8M 19%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 6%
Nonaccrual 1.4%
-0.3pp YoY
+0.7pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 79%
Allowance Coverage 1.10x
+19.6% YoY
-54.9% QoQ
 -23.06x 24.15x 10.47x 20.23x 29%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 22.2%
+7.3pp YoY
-0.9pp QoQ
 +10.0pp 12.2% 14.3% 11.6% 93%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 42%
Net Income ($, YTD) $3.5M
+64.6% YoY
— QoQ
 +$901K $2.6M $11.3M $40.4M 75%

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
#89 of 661 • Top 13.3% 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

Concerns (1)

Capital Thin

risk
#281 of 661 • Bottom 42.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.11%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

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 (2 metrics)

350
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#350 of 2643 Top 13.2% in $100M-$1B
597
Efficiency Ratio
profitability
Value: 52.79%
Peer Median: 64.48%
#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (2 metrics)

2598
Tier 1 Capital Ratio
capital
Value: 9.11%
Peer Median: 15.91%
#2598 of 2643 Bottom 1.7% in $100M-$1B
2092
Delinquency Rate
credit_quality
Value: 1.35%
Peer Median: 0.92%
#2092 of 2633 Bottom 20.6% in $100M-$1B
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