Exchange Bank Of Missouri (FDIC #1616): Bank Stress & Real-Estate Credit Exposure
Exchange Bank Of Missouri (FDIC Cert #1616): bank stress 53/100, moderate, STABLE over 7 days; parent NORTHERN MO BANCSHARES INC.
Exchange Bank Of Missouri (#1616) lends in 4 counties across 1 state; Exchange Bank Of Missouri (#1616) reaches 48 ZIP codes: Missouri 4 counties, 48 ZIPs.
Exchange Bank Of Missouri (#1616) largest markets: Callaway County, MO (19 branches, 19 ZIPs) (#1616), Boone County, MO (13 branches, 13 ZIPs) (#1616), Saline County, MO (26 branches, 13 ZIPs) (#1616), Howard County, MO (20 branches, 10 ZIPs) (#1616).
Exchange Bank Of Missouri (#1616) reports $453.8 million in total assets; Exchange Bank Of Missouri (#1616) equity $41.8 million (9.2% of Exchange Bank Of Missouri (#1616) assets); Exchange Bank Of Missouri (#1616) domestic deposits $409.7 million; Exchange Bank Of Missouri (#1616) net income $4.5 million; Exchange Bank Of Missouri (#1616) return on assets 2.01%; Exchange Bank Of Missouri (#1616) return on equity 21.86%; Exchange Bank Of Missouri (#1616) net interest income $8.5 million; Exchange Bank Of Missouri (#1616) call report June 30, 2026.
Exchange Bank Of Missouri (#1616) noncurrent real-estate loans: none reported; Exchange Bank Of Missouri (#1616) net charge-offs on real estate 3.03%; Exchange Bank Of Missouri (#1616) residential charge-offs 4.98%.
Exchange Bank Of Missouri (#1616) net interest margin 4.14% against an eight-quarter Exchange Bank Of Missouri (#1616) average of 4.07% (Exchange Bank Of Missouri (#1616) compression -0.08 points); Exchange Bank Of Missouri (#1616) non-residential real estate 498.4% of equity; Exchange Bank Of Missouri (#1616) rate-exposure score 40/100, Exchange Bank Of Missouri (#1616) fixed-rate trap 40/100; Exchange Bank Of Missouri (#1616) risk type credit driven; Exchange Bank Of Missouri (#1616) rate regime rates elevated, Exchange Bank Of Missouri (#1616) snapshot October 20, 2026.
Exchange Bank Of Missouri (#1616) stress score moved from 41.1 on June 22, 2026 to 53.2 on October 20, 2026; Exchange Bank Of Missouri (#1616) ranged 41.1 to 53.2 over 117 snapshots.
Exchange Bank Of Missouri (#1616) alerts: 4 counties; top Exchange Bank Of Missouri (#1616) alert scores: Fulton County, MO 19 (low); Hallsville County, MO 19 (low); New Franklin County, MO 19 (low); Slater County, MO 19 (low).