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Exchange Bank of Northeast Missouri

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Exchange Bank of Northeast Missouri Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Exchange Bank of Northeast 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: March 20, 2026

You can compare Exchange Bank of Northeast Missouri rates to other rates in our database, including 12-month CD rates currently at 3.03%, 6-month CD rates at 3.56% and 3-month CD rates at 1.00%. Savings rates are at 1.00% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.33%. All these rates can be compared to Exchange Bank of Northeast Missouri rates. MonitorBankRates evaluates the financial stability of Exchange Bank of Northeast Missouri with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 23.94%. Rates were last updated on 03/20/2026.

Exchange Bank of Northeast 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 Northeast Missouri? Share your experience about Exchange Bank of Northeast Missouri by leaving a review below, or read customer reviews before you decide to use Exchange Bank of Northeast Missouri.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

23.94%

Good Higher than avg

Exchange Bank of Northeast Missouri

268 N Johnson St
Kahoka, MO 63445

https://www.ebnemo.com

Current Rate Availability

We do not have Exchange Bank of Northeast Missouri rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Exchange Bank of Northeast 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 Northeast 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 Northeast Missouri's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Exchange Bank of Northeast Missouri

Bank Holding Company LINCOLN COUNTY BCORP INC

Address 268 N Johnson St, Kahoka, MO 63445 · Clark

Website https://www.ebnemo.com

FDIC Certificate # 8274

Established 09/08/1903

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

5.0

Exceptional Out of 5.0 Stars

23.94%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4381%

Return on Equity (ROE) 17.5100%

Non-Performing Loans (NPL) 1.24%

Total Assets $334,707,000

Total Deposits $301,254,000

Equity Capital $30,827,000

Net Income $5,232,000

Headquarters Kahoka

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Exchange Bank of Northeast Missouri

Is Exchange Bank of Northeast Missouri a safe place to deposit money?

Yes, Exchange Bank of Northeast Missouri is considered a safe financial institution. With a Texas Ratio of 23.939924340805%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Exchange Bank of Northeast Missouri operate?

Exchange Bank of Northeast Missouri currently maintains approximately 7 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 Northeast 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 Northeast Missouri provides members with tools to manage their accounts and build a solid financial history.

Does Exchange Bank of Northeast Missouri offer online and mobile banking?

Most modern institutions like Exchange Bank of Northeast 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.ebnemo.com.