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Exchange Bank of Alabama, The

Altoona, AL · Cert 54 · Gadsden Corp. the

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Exchange Bank of Alabama, The

Altoona, AL · Cert 54 · Gadsden Corp. the

State charter, non-member · FDIC · 5 branches

Q2 2026

$392.5MAssets
$207.8MLoans
$336.4MDeposits
$53.0MEquity
Loan mix
89%RE $182.2M6%C&I $12.8M4%Consumer $8.8MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $204.0M39%Noninterest $132.4MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.56%Q2 ’254.63%Q2 ’26+3%+10%

Non-interest income vs. expense

2.38%Q2 ’242.39%Q2 ’252.41%Q2 ’26-1%+4%

Market Position · Gadsden, AL · 2026 SOD (annual) · 22.2% share · #2 of 12 inst. · $0.3B of $1.5B

Executive Summary

  • Earnings: ROA of 1.21%, up 21 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 15.30%, up 75 bps from a year ago.
  • Funding: loans stand at 61.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+31 bps YoY

Efficiency Ratio (YTD, annualized)

60.95%-373 bps YoY

Tier 1 Leverage Ratio

15.30%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.11%1.17%1.18%1.21%+21 bps
Return on Equity8.48%9.14%9.47%9.00%9.18%+70 bps
Net Interest Margin3.28%3.36%3.40%3.57%3.60%+31 bps
Efficiency Ratio64.68%63.05%61.58%61.30%60.95%-373 bps
Non-Interest Burden1.98%1.96%1.94%2.06%2.06%+8 bps
Growth
Asset Growth (YoY)3.20%3.72%2.61%4.98%1.75%-145 bps
Loan Growth (YoY)-2.20%-2.31%-2.54%5.15%6.16%+836 bps
Deposit Growth (YoY)2.15%3.20%0.47%4.13%0.28%-187 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.03%0.01%0.04%+4 bps
Net Charge-Offs / Loans0.07%0.06%0.05%0.04%0.04%-3 bps
Allowance / Loans1.29%1.27%1.27%1.28%1.27%-3 bps
Allowance Coverage of NPLs506.6x61.9x48.5x201.3x28.6x-478.0x
Capital
Tier 1 Leverage Ratio14.55%14.69%14.88%14.97%15.30%+75 bps
Total Risk-Based Capital14.55%14.69%14.88%14.97%15.30%+75 bps
Equity / Assets12.19%12.76%13.18%13.00%13.51%+132 bps
Liquidity & Funding
Loans / Deposits58.36%59.78%60.05%60.18%61.79%+342 bps
Liquid Assets / Assets3.95%4.73%5.46%4.71%3.41%-54 bps
CRE / Total Capitaln/a182.12%176.00%180.79%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Exchange Bank of Alabama, The

Altoona, AL · Cert 54 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Gadsden Corp. the

State charter, non-member · FDIC · 5 branches

Q2 2026

$392.5MAssets
$207.8MLoans
$336.4MDeposits
$53.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets operating in a single state (rank 160 of 748).
  • Widest gap: net charge-offs / loans trails 62% of banks under $1B in assets operating in a single state (rank 463 of 748).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.22%

Rank 296 of 752

Net Interest Margin

3.60%

Rank 410 of 752

Efficiency Ratio

60.95%

Rank 301 of 752

Equity / Assets

13.51%

Rank 171 of 752

Non-interest income vs. expense

$1.4M$9.8MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state
Bank 60.95%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.72%1.07%1.45%Beats 61%296 / 752
Return on Equity9.01%6.78%10.58%13.65%Beats 40%449 / 752
Net Interest Margin3.60%3.18%3.69%4.17%Beats 45%410 / 752
Efficiency Ratio60.95%55.75%64.49%75.47%Beats 60%301 / 752
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.03%Beats 79%160 / 748
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 38%463 / 748
Capital
Tier 1 Capital Ratio15.30%11.55%13.75%17.60%Beats 64%273 / 752
Total Risk-Based Capital Ratio15.30%11.70%14.33%18.47%Beats 58%318 / 752
Equity / Assets13.51%8.93%10.56%13.13%Beats 77%171 / 752
Liquidity & Funding
Loans / Deposits61.79%62.23%78.64%91.26%24th pctl568 / 752
Loans / Assets52.95%54.61%67.41%76.47%23rd pctl582 / 752
Brokered Deposits / Depositsn/aNot reported for this institution