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This institution is no longer active

Operations ceased on May 24, 2007. CRA examination history below reflects the period it was active.

EXCHANGE BANK

MOUND CITY, MO · Supervised by FDIC

Est. 1895FDIC #8,592RSSD: FDIC-8592
Part ofNODAWAY VALLEY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

614-616 State Street, MOUND CITY, MO

County

Holt County

Established

May 1, 1895

Total Assets

$20M(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

August 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2007Call Report / FDIC

Total Assets

$20M

Total Deposits

$17M

Net Loans

$9M

Net Income

$62K

ROA

1.22%

ROE

7.60%

Risk-Based Capital

11.86%

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 Rate4.69%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202476782.92%4.69%
202382084.51%6.59%
20221,17882.09%6.37%
20211,46576.25%7.58%
20201,58276.86%7.40%
20191,14275.66%9.46%
20181,03472.44%12.48%

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

4 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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