🏦Bank Scorer

EXCHANGE BANK OF MISSOURI

FAYETTE, MO · Supervised by FDIC

Est. 1927FDIC #1,616RSSD: FDIC-1616
Part ofNORTHERN MO BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.73%

Institution Profile

FDIC BankFind

Address

101 S Church St, FAYETTE, MO

County

Howard County

Established

November 19, 1927

Total Assets

$447M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$447M

Total Deposits

$403M

Net Loans

$335M

Net Income

$3M

ROA

2.73%

ROE

29.85%

Risk-Based Capital

12.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.40%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$367M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412981.4%12.40%
202316784.43%11.38%
202220587.32%8.29%
202127182.29%12.92%
202031489.81%7.96%
201912683.33%10.32%
201814183.69%12.77%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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