# EXCHANGE BANK OF MISSOURI
FAYETTE, MO · FDIC certificate 1616 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $453.8M | |
| Deposits | $409.7M | |
| Loans and leases | $348.0M | |
| Total equity | $41.8M | |
| Loans / deposits | 84.05% (p56 of band) | 82.04% |
| Liquid assets / assets | 18.57% (p27 of band) | |
| Uninsured deposits / deposits | 44.35% (p92 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.51% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -7.37% (p52 of band) | -8.10% |
| AOCI / equity | -0.12% (p65 of band) | |
| ROA (annualized) | 2.01% (p87 of band) | 1.28% |
| Net interest margin | 4.14% (p64 of band) | 3.91% |
| Efficiency ratio | 49.83% (p18 of band) | |
| Noncurrent loans | 2.59% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 40.14% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 62.12% (p66 of band) | |
| Auto loans | $2.4M (0.68% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.8% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7%, NIM <2.5% |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 1 | capital falling | loans exceed deposits |
| 2016-03 | 3 | losing money, expense ratio p90 |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | losing money, expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | liquid assets <10% |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 | charge-offs p90 | capital falling |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | expense ratio p90 |  |
| 2023-12 | 0 |  | expense ratio p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-01 [Great American targets $2.3 million bond after Missouri bank fraud claim - Insurance Business](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNQzBobVl2Wm1GNjVmTFprenJIYXNlMmZXcGNXM3d4cEVkR2VjUExvVHVGOTYyYnh3RUF4RDZocENPLUpmek12UEJfYmp6d25MeXF5OWtvY2ZlbFFiNk9vUHMzeWo5UEVFUHRqUVdYcVZmblUyUlcxaDNVVmNHejZDdmJkX1k0V2FPbjNQRzV2c293UGdySWxHRS0zdE1rODVNNGpDYU52VlVYUTFkU3lQb0tsbDZVQ0lEamhEcGJyRERoWFBKVzdYQUxaazVLNzhUR1NhUWRhUFRRaU02MXU3cFhCeHg?oc=5) · Insurance Business
- 2024-07-25 [Higbee woman pleads guilty in federal court to a $2.4 million embezzlement scheme - KOMU 8](https://news.google.com/rss/articles/CBMiggJBVV95cUxOZ29lajdnaFl3Y0M3c1ZLcjlFYzdWa095MGRRN2dOdGQ0b3lLN2J3UmhYOURLY0RrQWdrSHladUFYckVrc3B5R0gwZ2FvcTBTNEV6WHlsM3I2Um5KS0tRa3doU19sZkJtdVAzOWlsbnlJTlpNREctU1hxcTFLa3F6UWxYbjh5NXI0cG9EeV9lOHVRRS1uLWJSUTVCZVEzdkM5UUtzZ093eFUzVzBYdDI5WkJTQ3NVMEhJOVIydl9UQ08xekFjXzVmM2NkRks3WTZtYU42czFBb05YbGJJZWFjbVFKck1NVTJncVdxNlpLZmdKRFE4bThHOHpCWmRBZ2lkVGc?oc=5) · KOMU 8
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2024-07-26 [Higbee woman faces 30 years for embezzling millions from Fayette bank clients - KRCG](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMjFNeFRNQ21vNklqd1NBNDRCZFZiWnY5T0xoYUdmQi15ZUFhNGtsQ3l5ZWpXbldSdWh0Y0pweUt6dHpqYjZmbFVCNWpMbElOZDRtOGFTUlQzZ254bUcyX2hzQ1AycERpYVNpa3FqcFZEaUx5LS05ZXdZRE9FdzJBUTlnX21JbzFuUkxGMU9senppQmlQWkthUjNhTDBPQmtFbGxuUTVUcnpGRHM?oc=5) · KRCG
- 2024-07-26 [Former central Missouri bank employee admits embezzling almost $2.4 million - 93.9 The Eagle](https://news.google.com/rss/articles/CBMioAFBVV95cUxPbWN3ZmM4WXRuaGRjYjRaa3BPZmQzc2lnR0xpa2J2R2U2Wk0wTHJaRXBtNHI2TndaOW4xTnhKQWtxbGpHWXBjYUFVSTJEVzFwX2pSRS1CVVA2WkRkTF95TlFhb1BEQmRfYUVrTjIyLVFESGZVZGJ1NWVHZm9PaWxfRHdpb0hIdGkyOTFTT0RpQ0NmN3BMUU9UVkIzNy1hUnZZ?oc=5) · 93.9 The Eagle
- 2024-08-26 [New Franklin man pleads guilty to attempted bank robbery - KTTN](https://news.google.com/rss/articles/CBMihAFBVV95cUxOU2NoZ3lYQzZQeVdFWmx3V1o2dXU1ajBFTVFIV0ZsSFZRYV9OSzBZaEtPVGEtU05heFJsaDRoM1lzaFBWVDlteWJDdlNMbUp6emdkSk52YjF4MUlRVWg0aGp5ZF9UZ3c5Rmk0S2RvWnNGSk5vMmp1Vk1SSDhJQTJ6MzlQelc?oc=5) · KTTN
- 2024-08-23 [New Franklin Man Pleads Guilty to Attempted Bank Robbery - KMZU.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQSUxZQUFEcHRzSGNvNzRSaGhnaGpMNVU1dTJyckQ5dXJwZi1paXJzbnJFNEloY0ppZVRsTFNaUWpwMGxMYzJndFFYb0VUR0RKNFI1YlY4OEpCZ1JsWHhjLUZFVUZJMF81NGJwWUFaMjUtcTluR0RTeHZ1dmd4c3c4bXdOVEtUWFBmYlNpcndncnNXQVI5TXRBX2tPV3hVekxiMEp5YWxmOFd5bzJuNW9zOWZ2b3ptektOdWtnaV8zcVRWekp3WURQblp3aEk?oc=5) · KMZU.com
- 2024-08-23 [New Franklin man pleads guilty to attempted bank robbery - KOMU 8](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPM1F5eFpNUTFZUHhNcTV1dnk4Ukh6VkVtb2FfSFF4YjR2N2t5VzVHbWtMT2VObFViamVvRkpWRjVmTkhhelNSRTJselBLN1hSTEtTZF9VWDU3b0NvdlNjbzQ5ZzlWRkVSdHFWeVU4UlA5bEJ2OTJBcVdWaURROTBLbk1DRWh2dlQ2eEs2TktfQTIwXzB4ak44dHJoRm1NLW1pRS1PQ3gwd1BoaDBFeWs1anJIUnpzZ3dCMmNOUWp2WE9HUTUzczZvZWFNUms2RVlnYWpENExJNnUyd1JYUXEyZXpB?oc=5) · KOMU 8

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1616 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "1616", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide