Exchange Bank of Missouri

Headquarters

101 South Church Street
Fayette, MO 65248
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.95% →
1-Year CD 1.00% 1.01% →
2-Year CD 1.26% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Exchange Bank of Missouri is an FDIC insured institution located in Fayette, MO. It was founded in 1927 and has approximately $0.23 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 1616
Date Established 1927
Assets $ 230.08 million
Loans $ 176.70 million
Deposits $ 202.97 million
Capital $ 25.74 million
 

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 - October 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.55% $2,500 $2,999 Learn More
Money Market
0.55% $10,000 $14,999 Learn More
Money Market
0.55% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.50% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
1.00% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
18 Mo CD
1.00% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.26% $10,000 $14,999 Learn More
24 Mo CD
1.26% $100,000 $199,999 Learn More
30 Mo CD
1.26% $10,000 $14,999 Learn More
30 Mo CD
1.26% $100,000 $199,999 Learn More
36 Mo CD
1.26% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.40% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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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:
Fairfield,Connecticut


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
1.36% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Exchange Bank of Missouri had $168,000 in non-current loans and $206,000 in owned real estate. To cover these potential losses it had $25,743,000 in equity and $1,823,000 in loans loss reserves. That gives it a Texas Ratio of 1.36%.

Return on Equity
Exchange Bank of Missouri U.S. Bank Average
10% 7.80%

Exchange Bank of Missouri has a Return on Equity of 10% versus the BestCashCow average of 7.80%. 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
11.19% 12.68%

Exchange Bank of Missouri has a Capitalization of 11.19% versus the BestCashCow average of 12.68. 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, 2020, Exchange Bank of Missouri had assets of $230,078,000, loans of $176,697,000, and deposits of $202,974,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 7.39 million
Interest-bearing balances $ 0.11 million
Total securities $ 16.90 million
Federal funds sold and reverse repurchase $ 16.10 million
Net loans and leases $ 176.70 million
Loan loss allowance $ 1.82 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles $ 2.12 million
All other assets $ 5.60 million
     Total Assets $ 204.34 million
LIABILITIES
Total deposits $ 202.97 million
      Interest-bearing deposits $ 181.71 million
      Deposits held in domestic offices $ 202.97 million
      % insured (estimated) 73.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.36 million
      Total Liabilities $ 204.34 million
      Shareholders’ Equity $ 25.74 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.82 million
Total Interest Expense $ 0.77 million
Net interest income $ 2.05 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.33 million
Total non interest expense $ 1.43 million
Pre-tax Net Operating Income $ 0.88 million

Bank Loan Profile?

The top three loan types in Exchange Bank of Missouri’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential 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 14.22
Multifamily
Mortgages
1.73
Credit Card Loans 0.00
Consumer Auto Loans 1.22
Small Business Loans 14.42
Construction and Development Loans 3.22
Commercial Real Estate 20.70
Commercial and Industrial Loans 8.03
Farm Loans 11.05

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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