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Exchange Bank Of Missouri

IDRSSD: 686459
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #686459 2025-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.0% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.84% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -2
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.1%, cash 1.8% of assets.

Cash / Assets
1.84%
Loans / Deposits
87.11%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.84% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ 0
69
Sub-score

Capital position is stable: Tier 1 RBC 11.29%, CET1 11.29%, leverage 9.41%.

Tier 1 RBC
11.29%
CET1
11.29%
Leverage
9.41%
No watch items at this period.

Asset Quality

StableQoQ -7
72
Sub-score

Asset quality is stable: Adjusted NPL 2.71%, Texas Ratio 21.1%, NCO YTD 0.00%.

Adjusted NPL
2.71%
Govt-guarantees stripped
Texas Ratio
21.1%
NCO YTD
0.00%
30-89 PD
1.19%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.71% (govt-guarantees stripped).

Reserves

RiskQoQ -3
22
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 39.0%, true coverage 38.9%.

ALLL / Loans
1.05%
Coverage
39.0%
True Loss Coverage
38.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:58:20 UTC