Exchange Bank of Missouri is a state-chartered bank (fed member) headquartered in Fayette, Missouri, in business for about 99 years. At the end of Q2 2026 it reported $453.8M in total assets and $409.7M in deposits, with 6 offices.
Based on its Q2 2026 filing, Exchange Bank of Missouri scores 49/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 182nd. Its strongest component is earnings (100/100; 2.01%), and its lowest is loan quality (14/100; 2.59%).
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 5 points (44 → 49), mostly because the earnings component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 44 |
| Q2 2025 | 44 |
| Q3 2025 | 43 |
| Q4 2025 | 46 |
| Q1 2026 | 54 |
| Q2 2026 | 49 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.31% |
| Q3 2024 | 9.51% |
| Q4 2024 | 9.02% |
| Q1 2025 | 9.24% |
| Q2 2025 | 9.44% |
| Q3 2025 | 9.42% |
| Q4 2025 | 8.93% |
| Q1 2026 | 9.56% |
| Q2 2026 | 9.51% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.61% |
| Q1 2025 | 2.54% |
| Q2 2025 | 2.68% |
| Q3 2025 | 2.89% |
| Q4 2025 | 2.30% |
| Q1 2026 | 2.31% |
| Q2 2026 | 2.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.38% |
| Q1 2026 | 2.73% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $453.8M | 9.51% | 2.59% | 2.01% | 84.1% |
| Q1 2026 | 54 | $447.0M | 9.56% | 2.31% | 2.73% | 83.1% |
| Q4 2025 | 46 | $431.0M | 8.93% | 2.30% | 1.38% | 85.3% |
| Q3 2025 | 43 | $416.2M | 9.42% | 2.89% | 1.33% | 87.1% |
| Q2 2025 | 44 | $404.4M | 9.44% | 2.68% | 1.26% | 87.1% |
| Q1 2025 | 44 | $400.8M | 9.24% | 2.54% | 1.07% | 83.6% |
| Q4 2024 | 65 | $395.1M | 9.02% | 0.61% | 1.20% | 80.1% |
| Q3 2024 | 65 | $387.0M | 9.51% | 0.61% | 1.14% | 81.3% |
| Q2 2024 | 70 | $363.2M | 9.31% | 0.00% | 1.07% | 85.4% |
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 |
|---|---|---|---|---|---|
| New Era BankBank Fredericktown, MO | 95 out of 100, Very strong | $453.1M | 14.0% | 0.02% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Community Bank and TrustBank Neosho, MO | 72 out of 100, Strong | $445.1M | 8.4% | 0.13% | vs |
| F & C BankBank Holden, MO | 78 out of 100, Strong | $481.0M | 11.0% | 0.38% | vs |
| Heritage Bank of the OzarksBank Lebanon, MO | 45 out of 100, Below average | $424.0M | 9.6% | 2.74% | vs |
| Bank of Franklin CountyBank Washington, MO | 65 out of 100, Moderate | $419.4M | 9.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Exchange Bank of Missouri?
Yes. Exchange Bank of Missouri is an FDIC-insured institution (FDIC certificate #1616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.4% of deposits ($181.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.46% (benchmark: 10%).
6 locations
Branches
Exchange Bank of Missouri lists 6 offices in 6 cities. Most locations:
- Fayette, MO (1)
- Fulton, MO (1)
- Hallsville, MO (1)
- Marshall, MO (1)
- New Franklin, MO (1)
- Slater, MO (1)
Identity & history
Profile
- Legal name
- Exchange Bank of Missouri
- Former names
- Exchange National Bank of Howard County; Exchange Bank of New Franklin, Missouri; Exchange Bank of New Franklin, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1616
- RSSD ID
- 686459
- Primary regulator
- FED
- Holding company
- Northern Mo Bancshares Inc
- Established
- November 19, 1927
- Headquarters
- 101 S Church St, Fayette, MO 65248
- Website
- www.ebmo.com
- Employees
- 67
Quick answers
Exchange Bank of Missouri: common questions
Is Exchange Bank of Missouri FDIC insured?
Yes. Exchange Bank of Missouri is an FDIC-insured institution (FDIC certificate #1616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange Bank of Missouri's TellerScore?
49 out of 100 (Below average), 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 of Missouri ever failed?
There is no failure record for FDIC certificate #1616 in the FDIC failed bank list.
How many branches does Exchange Bank of Missouri have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fayette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| Regional Missouri BankBank Marceline, MO | 84 out of 100, Strong | $597.4M | 11.6% | 0.07% | vs |
| Citizens Community BankBank Pilot Grove, MO | 79 out of 100, Strong | $142.6M | 11.6% | 0.27% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |