Exchange Bank of Missouri
101 S Church St, Fayette, MO 65248
Financial Overview
Financial Health Analysis
Exchange Bank of Missouri is a currently active agricultural specialization banking institution headquartered in Fayette, Missouri. Established in 11/19/1927, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Exchange Bank of Missouri manages $447.0M in total assets and holds $403.0M in customer deposits. When evaluating the stability of Exchange Bank of Missouri, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.29%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.73%, while its Return on Equity (ROE) sits at 29.85%. These robust metrics contribute to an overall health score of 9.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$67.2M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.