BlastPoint's Banking Scorecard
Exchange Bank of Missouri
Micro
Specialty: Agricultural
MO
FDIC cert 1616
Designations: ✓ Community bank
Fayette, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Exchange Bank of Missouri faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.0M
+9.1% YoY
+3.6% QoQ
|
+$213.5M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$332.9M
+15.8% YoY
+1.6% QoQ
|
+$193.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$390.3M
+8.8% YoY
+3.8% QoQ
|
+$206.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.38%
+14.5% YoY
+3.6% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
4.22%
+6.2% YoY
+1.5% QoQ
|
+0.37% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
57.09%
-6.2% YoY
-0.7% QoQ
|
-10.63% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
2.33%
+277.3% YoY
-20.3% QoQ
|
+1.69% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
85.30%
+6.4% YoY
-2.1% QoQ
|
+10.77% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
13.66%
+25.1% YoY
+6.4% QoQ
|
-8.73% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
2.25%
+400.4% YoY
-2.3% QoQ
|
+1.79% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
11.17%
-5.4% YoY
-0.0% QoQ
|
+2.31% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.47%
-1.8% YoY
+33.0% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.25%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Loans
Current: $332.9M · Tier avg: $139.2M
96
96th pctile
Total Deposits
Current: $390.3M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $431.0M · Tier avg: $217.5M
76
76th pctile
Efficiency Ratio
Current: 57.09% · Tier avg: 67.73%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.30% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.66% · Tier avg: 22.39%
10
10th pctile
Delinquency Rate
Current: 2.33% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.33% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.66% · Tier avg: 22.39%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.30% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
76
76th pctile
Efficiency Ratio
Current: 57.09% · Tier avg: 67.73%
92
92th pctile
Total Assets
Current: $431.0M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $390.3M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $332.9M · Tier avg: $139.2M