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Exchange Bank of Missouri

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Exchange Bank of Missouri Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Exchange Bank of Missouri provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Exchange Bank of Missouri rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Exchange Bank of Missouri, and you can see how they compare in the Exchange Bank of Missouri rate tables below. MonitorBankRates evaluates the financial stability of Exchange Bank of Missouri with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.19%. Database rates last updated and verified on 09/23/2026.

Exchange Bank of Missouri money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Exchange Bank of Missouri? Share your experience about Exchange Bank of Missouri by leaving a review below, or read customer reviews before you decide to use Exchange Bank of Missouri.

Overall Health & Safety Grade

C+

Fair Health Score: 78/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.19%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Exchange Bank of Missouri

101 S Church St
Fayette, MO 65248

https://www.ebmo.com

Current Rate Availability

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Financial Health History

Exchange Bank of Missouri’s Texas Ratio rose from 2.29% in Q3 2023 to 26.19% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.1 and its Health Grade from A+ to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$454M	26.19%	4.1	C+
March 31, 2026	$447M	23.49%	4.3	B-
December 31, 2025	$431M	24.90%	4.2	C+
September 30, 2025	$416M	25.16%	4.2	C+
June 30, 2025	$404M	25.17%	4.2	C+
March 31, 2025	$401M	23.58%	4.3	B-
December 31, 2024	$395M	5.25%	5.0	A+
September 30, 2024	$387M	5.26%	5.0	A+
June 30, 2024	$363M	0.00%	5.0	A+
March 31, 2024	$363M	0.84%	5.0	A+
December 31, 2023	$349M	0.09%	5.0	A+
September 30, 2023	$344M	2.29%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Exchange Bank of Missouri is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Exchange Bank of Missouri rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Exchange Bank of Missouri's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Exchange Bank of Missouri

Bank Holding Company NORTHERN MO BANCSHARES INC

Address 101 S Church St, Fayette, MO 65248 · Howard

Website https://www.ebmo.com

FDIC Certificate # 1616

Established 19271119

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 78/100

4.1

Excellent Out of 5.0 Stars

26.19%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0060%

Return on Equity (ROE) 21.8600%

Non-Performing Loans (NPL) 1.99%

Total Assets $453,843,000

Total Deposits $409,725,000

Equity Capital $41,814,000

Net Income $4,453,000

Headquarters Fayette

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Exchange Bank of Missouri

How many branches does Exchange Bank of Missouri operate?

Exchange Bank of Missouri currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Exchange Bank of Missouri does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Exchange Bank of Missouri provides members with tools to manage their accounts and build a solid financial history.

Does Exchange Bank of Missouri offer online and mobile banking?

Most modern institutions like Exchange Bank of Missouri provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ebmo.com.