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Exchange Bank Of Missouri
Fayette, MO · FDIC Certificate #1616 · Chartered 11/1
Total assets
$453.84M
Total deposits
$409.73M
Total equity
$41.81M
Net loans
$344.39M
Branches (offices)
6
Net income (YTD)
$4.45M
Rank: #1,897 of 4,213 U.S. banks by assets · #75 of 190 in Missouri. Assets changed 12.2% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 21.86% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 9.51% |
| Uninsured deposits (share of deposits) | 44.4% |
| Noncurrent loans (share of loans) | 2.59% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $286.26M | 83.1% | |
| Commercial & industrial | $21.74M | 6.3% | |
| Consumer / individual | $3.41M | 1.0% | |
| Construction & development | $25.98M | 7.5% | |
| Agricultural | $35.97M | 10.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $302.41M | $272.49M | $1.48M | $29.04M |
| Jun 2023 | $336.54M | $298.29M | $1.63M | $30.09M |
| Jun 2024 | $363.24M | $329.53M | $1.93M | $31.65M |
| Jun 2025 | $404.37M | $366.62M | $2.52M | $35.98M |
| Jun 2026 | $453.84M | $409.73M | $4.45M | $41.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $409.73M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $409.73M.
Similar-sized banks
Hometown Bank Of Pennsylvania ($453.85M) · Edison National Bank ($453.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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