Exchange Bank Co.
Kahoka, MO
IDRSSD: 2747466
Total Assets
$323.76M
Latest filing
Total Deposits
$289.81M
Latest filing
Net Interest Margin
4.53%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Exchange Bank Co.
268 N Johnson St
Kahoka, MO 63445
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/08/1903FDIC Certificate 5278
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Exchange Bank Co. (Main) | 268 N Johnson St | Kahoka, MO |
| PALMYRA BRANCH | 423 Elizabeth Ave | Palmyra, MO |
| LANCASTER BRANCH | 202 E Washington St | Lancaster, MO |
| QUEEN CITY BRANCH | 1116 Highway 63 | Queen City, MO |
| MEMPHIS BRANCH | 304 E Grand Ave | Memphis, MO |
| WAYLAND BRANCH | 29686 Us Highway 136 | Wayland, MO |
| SHELBYVILLE BRANCH | 120 N Washington St | Shelbyville, MO |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/08/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63445 |
| State and County Number | 29045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fort Madison-Keokuk, IA-IL-MO |
Operational Info
| Number of Employees | 65 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | ebnemo.com |
| Data Updated | 11/14/2025 |
| CERT | 8274 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $323.76M |
| Total Deposits | $289.81M |
| Total Liabilities | $292.86M |
| Total Equity Capital | $30.91M |
| Net Income | $1.68M |
| Net Loans and Leases | $198.71M |
| Assets Per Employee ($Millions) | $5.06M |
| Bank Premises and Fixed Assets | $3.62M |
| Cash and Balances due from Depository Institutions | $26.62M |
| Deposits Held in Domestic Offices | $289.81M |
Key Performance Ratios
| Return on Assets (ROA) | 2.09% |
| Return on Equity (ROE) | 22.39% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 49.02% |
| Tier 1 Risk-Based Capital Ratio | 12.646% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.546% |
| Earning Assets to total Assets | 93.1% |
Income and Expense
| Total Interest Income | $4.65M |
| Total Noninterest Income | $326.00k |
| Total Interest Expense | $1.25M |
| Total Noninterest Expense | $1.88M |
| Net Interest Income | $3.40M |
| Pre-tax Net Operating Income | $1.68M |
| Provision for Credit Losses | $165.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $186.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.22M |
| All Other Liabilities | $1.82M |
| Total Liabilities and Capital | $323.76M |
Securities
| Securities | $81.27M |
| Available-for-sale debt securities | $81.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Exchange Bank Co.?
$323.76M as of the latest filing.
How much are Exchange Bank Co.'s total deposits?
$289.81M in total deposits.
Where is Exchange Bank Co. located?
Kahoka, MO.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
7.
When was it established?
09/08/1903.
What is the Return on Assets (ROA)?
2.09%.
How much are total loans and leases?
$198.71M (latest filing).
What is the total interest income (latest filing)?
$4.65M.