Exchange Bank Co.: how it compares with its peers
Against 79 MO banks with half to twice its assets, Exchange Bank Co.'s strongest measure in Q2 2026 is return on assets (2.01% vs. a 1.48% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.5M).
| Measure | Exchange Bank Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.48% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.15% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.79% | 58.19% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.5M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.40% | 86.39% | Context |
What it means for lending operations
Its efficiency ratio of 52.79% is better than the 58.19% 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
- Midwest Independent BankersBank Jefferson City, MO · $341M
- Ozark Bank Ozark, MO · $341M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Community Bank of Raymore Raymore, MO · $347M
- Heritage Community Bank Union, MO · $348M
- Community State Bank of Missouri Bowling Green, MO · $334M
Questions about Exchange Bank Co.
How big is Exchange Bank Co.?
Exchange Bank Co., established in 1903, is headquartered in Kahoka, MO. It reported $342M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Exchange Bank Co.'s return on assets?
2.01% annualized in Q2 2026, against a 1.48% median for 79 MO banks with half to twice its assets, ahead of 75% of them.
What is Exchange Bank Co.'s efficiency ratio?
52.79% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 58.19%, and lower is better.
Is Exchange Bank Co. growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 6.2%.
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.