Exchange Bank Co. (FDIC certificate #8274) is based in Kahoka, Missouri. Its Q2 2026 call report shows $341.5M in total assets and $306.1M in deposits and 7 offices.
Exchange Bank Co. has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 115th. Earnings contributes the most (100/100, 2.01%); capital cushion contributes the least (41/100, 9.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (62 → 69), mostly because the earnings component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 63 |
| Q4 2024 | 56 |
| Q1 2025 | 60 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 75 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.23% |
| Q3 2024 | 10.28% |
| Q4 2024 | 9.62% |
| Q1 2025 | 9.51% |
| Q2 2025 | 9.39% |
| Q3 2025 | 9.54% |
| Q4 2025 | 9.11% |
| Q1 2026 | 8.94% |
| Q2 2026 | 9.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.12% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.89% |
| Q1 2025 | 1.80% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.64% |
| Q1 2026 | 0.62% |
| Q2 2026 | 1.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.22% |
| Q4 2024 | 0.94% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.64% |
| Q1 2026 | 2.05% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $341.5M | 9.11% | 1.33% | 2.01% | 67.4% |
| Q1 2026 | 75 | $357.6M | 8.94% | 0.62% | 2.05% | 63.1% |
| Q4 2025 | 63 | $334.7M | 9.11% | 1.64% | 1.64% | 66.2% |
| Q3 2025 | 64 | $323.8M | 9.54% | 1.63% | 1.60% | 68.6% |
| Q2 2025 | 62 | $320.4M | 9.39% | 1.62% | 1.35% | 65.8% |
| Q1 2025 | 60 | $313.0M | 9.51% | 1.80% | 1.27% | 66.6% |
| Q4 2024 | 56 | $302.8M | 9.62% | 1.89% | 0.94% | 67.0% |
| Q3 2024 | 63 | $244.0M | 10.28% | 1.59% | 1.22% | 68.3% |
| Q2 2024 | 60 | $230.4M | 10.23% | 2.12% | 1.55% | 71.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest Independent BankersBankBank Jefferson City, MO | 83 out of 100, Strong | $341.4M | 15.3% | 0.00% | vs |
| Ozark BankBank Ozark, MO | 55 out of 100, Moderate | $341.0M | 9.2% | 1.47% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| Community Bank of RaymoreBank Raymore, MO | 79 out of 100, Strong | $346.9M | 9.7% | 0.05% | vs |
| Heritage Community BankBank Union, MO | 59 out of 100, Moderate | $347.8M | 8.3% | 0.59% | vs |
| Community State Bank of MissouriBank Bowling Green, MO | 80 out of 100, Strong | $333.9M | 11.0% | 0.26% | vs |
Deposit insurance
Is my money safe at Exchange Bank Co.?
Yes. Exchange Bank Co. is an FDIC-insured institution (FDIC certificate #8274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.4% of deposits ($37.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Exchange Bank Co. lists 7 offices in 7 cities. Most locations:
- Kahoka, MO (1)
- Lancaster, MO (1)
- Memphis, MO (1)
- Palmyra, MO (1)
- Queen City, MO (1)
- Shelbyville, MO (1)
- Wayland, MO (1)
Identity & history
Profile
- Legal name
- Exchange Bank Co.
- Former names
- Exchange Bank of Northeast Missouri; Winfield Banking Co.; Exchange Bank of Northeast Missouri
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8274
- RSSD ID
- 2747466
- Primary regulator
- FED
- Holding company
- Lincoln County Bcorp Inc
- Established
- September 8, 1903
- Headquarters
- 268 N Johnson St, Kahoka, MO 63445
- Website
- exchangebankco.com
- Employees
- 65
Quick answers
Exchange Bank Co.: common questions
Is Exchange Bank Co. FDIC insured?
Yes. Exchange Bank Co. is an FDIC-insured institution (FDIC certificate #8274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange Bank Co.'s TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Exchange Bank Co. ever failed?
There is no failure record for FDIC certificate #8274 in the FDIC failed bank list.
How many branches does Exchange Bank Co. have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kahoka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Lee County Credit UnionCredit union Keokuk, IA | 91 out of 100, Very strong | $3.2M | 31.8% | 0.00% | vs |
| State Central BankBank Bonaparte, IA | 84 out of 100, Strong | $63.2M | 16.1% | 1.11% | vs |
| Du Pont Employees Credit UnionCredit union Fort Madison, IA | 84 out of 100, Strong | $6.8M | 11.8% | 0.00% | vs |
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |