Exchange Bank Co (FDIC #8274): Bank Stress & Real-Estate Credit Exposure
Exchange Bank Co (FDIC Cert #8274): bank stress 52/100, moderate, STABLE over 7 days; parent LINCOLN COUNTY BCORP INC.
Exchange Bank Co (#8274) lends in 5 counties across 1 state; Exchange Bank Co (#8274) reaches 39 ZIP codes: Missouri 5 counties, 39 ZIPs.
Exchange Bank Co (#8274) largest markets: Clark County, MO (24 branches, 12 ZIPs) (#8274), Marion County, MO (10 branches, 10 ZIPs) (#8274), Scotland County, MO (10 branches, 10 ZIPs) (#8274), Shelby County, MO (9 branches, 9 ZIPs) (#8274), Schuyler County, MO (12 branches, 6 ZIPs) (#8274).
Exchange Bank Co (#8274) reports $341.5 million in total assets; Exchange Bank Co (#8274) equity $32.3 million (9.5% of Exchange Bank Co (#8274) assets); Exchange Bank Co (#8274) domestic deposits $306.1 million; Exchange Bank Co (#8274) net income $3.5 million; Exchange Bank Co (#8274) return on assets 2.01%; Exchange Bank Co (#8274) return on equity 22.16%; Exchange Bank Co (#8274) net interest income $7.0 million; Exchange Bank Co (#8274) call report June 30, 2026.
Exchange Bank Co (#8274) noncurrent real-estate loans: none reported; Exchange Bank Co (#8274) net charge-offs on real estate 1.59%; Exchange Bank Co (#8274) residential charge-offs 8.30%.
Exchange Bank Co (#8274) net interest margin 4.34% against an eight-quarter Exchange Bank Co (#8274) average of 4.25% (Exchange Bank Co (#8274) compression -0.09 points); Exchange Bank Co (#8274) non-residential real estate 830.2% of equity; Exchange Bank Co (#8274) rate-exposure score 40/100, Exchange Bank Co (#8274) fixed-rate trap 40/100; Exchange Bank Co (#8274) risk type credit driven; Exchange Bank Co (#8274) rate regime rates elevated, Exchange Bank Co (#8274) snapshot October 19, 2026.
Exchange Bank Co (#8274) stress score moved from 53.8 on June 22, 2026 to 52.4 on October 19, 2026; Exchange Bank Co (#8274) ranged 52.4 to 53.8 over 116 snapshots.
Exchange Bank Co (#8274) alerts: 5 counties; top Exchange Bank Co (#8274) alert scores: Memphis County, MO 19 (low); Palmyra County, MO 19 (low); Queen City County, MO 19 (low); Shelbyville County, MO 19 (low); Wayland County, MO 19 (low).