Exchange Bank of Missouri: how it compares with its peers
Against 73 MO banks with half to twice its assets, Exchange Bank of Missouri's strongest measure in Q2 2026 is return on assets (2.01% vs. a 1.67% peer median). Its weakest relative measure is net interest margin (4.14% vs. 4.18%).
| Measure | Exchange Bank of Missouri | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.67% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.18% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.83% | 57.00% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.8M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.05% | 87.78% | Context |
What it means for lending operations
Its efficiency ratio of 49.83% is better than the 57.00% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- New Era Bank Fredericktown, MO · $453M
- The Missouri Bank Warrenton, MO · $461M
- Community Bank and Trust Neosho, MO · $445M
- F & C Bank Holden, MO · $481M
- Heritage Bank of the Ozarks Lebanon, MO · $424M
- Bank of Franklin County Washington, MO · $419M
Questions about Exchange Bank of Missouri
How big is Exchange Bank of Missouri?
Exchange Bank of Missouri, established in 1927, is headquartered in Fayette, MO. It reported $454M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Exchange Bank of Missouri's return on assets?
2.01% annualized in Q2 2026, against a 1.67% median for 73 MO banks with half to twice its assets, ahead of 79% of them.
What is Exchange Bank of Missouri's efficiency ratio?
49.83% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 57.00%, and lower is better.
Is Exchange Bank of Missouri growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 11.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.