Exchange Bank of Missouri

101 South Church Street
Fayette, MO 65248

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1616
Date Established 1927
Assets $0.21 billion
Loans $0.17 billion
Deposits $0.18 billion
Capital $0.02 billion

Exchange Bank of Missouri is an FDIC insured institution located in Fayette, MO. It was founded in 1927 and has approximately $0.21 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Exchange Bank of Missouri's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
1.00% $2,500 $24,999 Learn MoreShow Less
Money Market
1.00% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.75% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
18 Mo CD
1.26% $1,000 - Learn MoreShow Less
24 Mo CD
1.76% $1,000 - Learn MoreShow Less
30 Mo CD
1.51% $1,000 - Learn MoreShow Less
36 Mo CD
2.02% $1,000 - Learn MoreShow Less
48 Mo CD
2.02% $1,000 - Learn MoreShow Less
60 Mo CD
2.52% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.00% $1,000 - Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Exchange Bank of Missouri

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Exchange Bank of Missouri
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Branches

Exchange Bank of Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Exchange Bank of Missouri Locations


Financial Details

Exchange Bank of Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Exchange Bank of Missouri. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Exchange Bank of Missouri U.S. Bank Average
3.02% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Exchange Bank of Missouri had $368,000 in non-current loans and $384,000 in owned real estate. To cover these potential losses it had $23,250,000 in equity and $1,652,000 in loans loss reserves. That gives it a Texas Ratio of 3.02%.

Return on Equity
Exchange Bank of Missouri U.S. Bank Average
9.39% 9.47%

Exchange Bank of Missouri has a Return on Equity of 9.39% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Exchange Bank of Missouri U.S. Bank Average
11.3% 12.49%

Exchange Bank of Missouri has a Capitalization of 11.3% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Exchange Bank of Missouri Balance Sheet Analysis

As of March 31, 2019, Exchange Bank of Missouri had assets of $205,685,000, loans of $166,522,000, and deposits of $181,256,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.18 billion
LIABILITIES
Total deposits $0.18 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.18 billion
      % insured (estimated) 73.55%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.18 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Exchange Bank of Missouri’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Missouri, Exchange Bank of Missouri has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.62
Multifamily
Mortgages
2.22
Credit Card Loans 0.00
Consumer Auto Loans 1.12
Small Business Loans 14.31
Construction and Development Loans 3.79
Commercial Real Estate 21.89
Commercial and Industrial Loans 8.92
Farm Loans 11.71

Frequently Asked Questions About Exchange Bank Of Missouri

Branches and Savings

Is Exchange Bank Of Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #1616.

Why does Exchange Bank Of Missouri pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Exchange Bank Of Missouri CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Exchange Bank Of Missouri a commercial bank?

Yes

Where are Exchange Bank Of Missouri locations?

See branch locations nearby.

Is Exchange Bank Of Missouri open on Saturdays?

Is Exchange Bank Of Missouri open on Sundays?

What time does Exchange Bank Of Missouri open?

What time does Exchange Bank Of Missouri close?

Are Exchange Bank Of Missouri ATMs Open 24/7?

Do Exchange Bank Of Missouri ATMs accept cash deposits?

Can Exchange Bank Of Missouri customers use other ATMs?

Do Exchange Bank Of Missouri branches have notaries?

Will Exchange Bank Of Missouri notarize my document?

What address for Exchange Bank Of Missouri should I put for incoming ACH transfers?

Will the Exchange Bank Of Missouri branch print checks?

Do Exchange Bank Of Missouri checks expire?

Does Exchange Bank Of Missouri require US citizenship to open account?

Can Exchange Bank Of Missouri close my account?

Does Exchange Bank Of Missouri Report to credit bureaus?

Does Exchange Bank Of Missouri Use Equifax?

What is Exchange Bank Of Missouri's ACH Routing Number?

What is Exchange Bank Of Missouri's SWIFT code?

Products

Does Exchange Bank Of Missouri offer mortgages?

Compare mortgage rates here.

Does Exchange Bank Of Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Exchange Bank Of Missouri offer personal loans?

Compare personal loan rates here.

Does Exchange Bank Of Missouri offer student loans?

Will Exchange Bank Of Missouri cash a check?

Will Exchange Bank Of Missouri redeem a savings bond?

Does Exchange Bank Of Missouri cash savings bonds?

Will Exchange Bank Of Missouri cash money orders?

Can Exchange Bank Of Missouri issue a money order?

Does Exchange Bank Of Missouri do currency exchange?

Background on The Bank

Who owns Exchange Bank Of Missouri?

How long has Exchange Bank Of Missouri been around?

Can Exchange Bank Of Missouri transfer to other banks?

Does Exchange Bank Of Missouri have quick pay?

Does Exchange Bank Of Missouri accept rolled coins?

Will Exchange Bank Of Missouri accept loose change?

Where is Exchange Bank Of Missouri headquarters?

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