What is Exchange Bank of Missouri's financial health grade?

Exchange Bank of Missouri has a TFS Financial Health Grade of C- (score: 71.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Exchange Bank of Missouri have?

Exchange Bank of Missouri has 6 branch locations across the United States.

Is Exchange Bank of Missouri FDIC insured?

Yes, Exchange Bank of Missouri is FDIC insured (Certificate #1616).

What are the total assets of Exchange Bank of Missouri?

Exchange Bank of Missouri has total assets of $431.0M as reported in its most recent FDIC filing.

Exchange Bank of Missouri

BankFayette, Missouri

www.ebmo.com

Total Assets

$431.0M

Total Deposits

$390.3M

Branches

Established

1927

TFS Health Grade

C-

71.5 / 100

Average financial health

How we grade

Exchange Bank of Missouri is a bank headquartered in Fayette, Missouri, established in 1927. With $431.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio

8.93%(8%)

Total Capital Ratio

12.15%(10%)

Non-Performing Loan Ratio

2.30%

Profitability

Return on Assets (ROA)

1.38%(1%)

Return on Equity (ROE)

15.53%(10%)

Net Interest Margin

4.22%

Efficiency Ratio

57.09%(60%)

Lending & Liquidity

Total Loans

$336.5M

Loan-to-Deposit Ratio

85.30%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

+9.09%

Deposit Growth (YoY)

+8.77%

Net Income

$5.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Exchange Bank of MissouriHQ	101 S Church St	Fayette	MO	11
Exchange Bank of Missouri	601 Court St	Fulton	MO	11
Exchange Bank of Missouri	500 North Route B	Hallsville	MO	11
Exchange Bank of Missouri	929 W Vest St	Marshall	MO	11
Exchange Bank of Missouri	102 E Broadway	New Franklin	MO	11
Exchange Bank of Missouri	201 W Maple St	Slater	MO	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.