Exchange Bank Co.
Kahoka, MO · Cert 8274 · Peer group: banks under $1B in assets in MO (n=82-83) · Lincoln County Bcorp Inc.
State charter, Fed member · FED · 3 affiliate banks · 7 branches (23 in holding)
Q2 2026
$341.5MAssets
$209.4MLoans
$306.1MDeposits
$32.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 81% of banks under $1B in assets in MO (rank 16 of 83).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in MO (rank 81 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.59%
Rank 28 of 83
Net Interest Margin
4.02%
Rank 32 of 83
Efficiency Ratio
54.18%
Rank 32 of 83
Equity / Assets
9.46%
Rank 53 of 83
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 63% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.96% | 1.32% | 1.75% | Beats 66% | 28 / 83 | | |
| Return on Equity | 16.80% | 9.66% | 12.96% | 15.76% | Beats 81% | 16 / 83 | | |
| Net Interest Margin | 4.02% | 3.35% | 3.85% | 4.16% | Beats 61% | 32 / 83 | | |
| Efficiency Ratio | 54.18% | 49.83% | 58.83% | 68.51% | Beats 63% | 32 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.08% | 0.51% | 1.01% | Beats 21% | 66 / 82 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 74% | 22 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 9.11% | 11.01% | 12.49% | 14.98% | Beats 2% | 81 / 83 | | |
| Total Risk-Based Capital Ratio | 9.11% | 11.13% | 13.01% | 15.10% | Beats 2% | 81 / 83 | | |
| Equity / Assets | 9.46% | 8.83% | 10.71% | 13.29% | Beats 36% | 53 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.40% | 69.28% | 83.22% | 91.21% | 23rd pctl | 63 / 82 | | |
| Loans / Assets | 61.31% | 59.34% | 71.15% | 78.36% | 27th pctl | 61 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |