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Exchange Bank Co.
Kahoka, MO · FDIC Certificate #8274 · Chartered 09/0
Total assets
$341.51M
Total deposits
$306.13M
Total equity
$32.29M
Net loans
$206.32M
Branches (offices)
7
Net income (YTD)
$3.46M
Rank: #2,285 of 4,213 U.S. banks by assets · #91 of 190 in Missouri. Assets changed 6.6% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 22.16% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 9.46% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 12.4% |
| Noncurrent loans (share of loans) | 1.33% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 67.4% |
| Real estate loans (share of loans) | 74.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.75M | 74.5% | |
| Commercial & industrial | $23.49M | 11.4% | |
| Consumer / individual | $4.54M | 2.2% | |
| Construction & development | $3.51M | 1.7% | |
| Agricultural | $25.95M | 12.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $223.25M | $203.12M | $808.00K | $16.06M |
| Jun 2023 | $214.81M | $195.75M | $1.58M | $18.10M |
| Jun 2024 | $230.37M | $205.45M | $1.78M | $21.34M |
| Jun 2025 | $320.43M | $288.25M | $2.10M | $29.09M |
| Jun 2026 | $341.51M | $306.13M | $3.46M | $32.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $306.13M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $306.13M.
Similar-sized banks
Cumberland Federal Bank, FSB ($341.64M) · Midwest Independent Bankersbank ($341.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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