Total Assets
$431M
Total balance-sheet footings
FDIC Cert #1616 · Fayette, Missouri · Est. 1927
Exchange Bank of Missouri - FDIC Bank Health Profile
A community-scale look at Exchange Bank of Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $431M
- Total assets
- B
- Health grade · Good
- 1.38%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
Exchange Bank of Missouri earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.17% Tier 1, profitable at 1.38% ROA, efficient (57% cost ratio).
- #1,988
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 11.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Exchange Bank of Missouri's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Exchange Bank of Missouri's composite health score
Tier 1 Capital Ratio (11.17%) 28/40
Return on Assets (ROA) (1.38%) 20/25
Texas Ratio (18.27%) 10/20
Efficiency Ratio (57.09%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$390M
Customer-funded liabilities
Net Loans
$333M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Exchange Bank of Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Exchange Bank of Missouri's score of 70/100 falls in the highlighted band.
Exchange Bank of Missouri's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Exchange Bank of Missouri's $431M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.17%
Texas Ratio
18.27%
Equity Capital
$39M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
15.53%
Efficiency Ratio
57.09%
What the numbers say about Exchange Bank of Missouri
Exchange Bank of Missouri is an FDIC-insured institution (Certificate #1616) headquartered in Fayette, Missouri, established in 1927. It holds $431M in total assets - 1,988th of 4,313 FDIC-insured banks, $390M in customer deposits, and $333M in net loans. Capital-wise, the Tier 1 ratio sits at 11.17%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 18.27%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Exchange Bank of Missouri sits 79th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$27M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Exchange Bank of Missouri reports a Texas Ratio of 18.27% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Exchange Bank of Missouri (FDIC Cert #1616) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Exchange Bank of Missouri's health grade?▼
Exchange Bank of Missouri receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Exchange Bank of Missouri?▼
Exchange Bank of Missouri holds $431M in total assets and $390M in deposits, ranking 1,988th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fayette, Missouri.
Is my money safe at Exchange Bank of Missouri?▼
Yes, deposits at Exchange Bank of Missouri (Certificate #1616) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Exchange Bank of Missouri's Tier 1 Capital Ratio?▼
Exchange Bank of Missouri has a Tier 1 Capital Ratio of 11.17%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Exchange Bank of Missouri?▼
Exchange Bank of Missouri has a Texas Ratio of 18.27%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Exchange Bank of Missouri?▼
Exchange Bank of Missouri has an Efficiency Ratio of 57.09%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Exchange Bank of Missouri's profile as a depositor or analyst.
- Exchange Bank of Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Exchange Bank of Missouri against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.