Exchange Bank of Alabama, The
Altoona, AL · Cert 54 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 162 of 751).
- Widest gap: net charge-offs / loans trails 62% of banks under $1B in assets operating in a single state (rank 464 of 751).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 291 of 755
Net Interest Margin
3.60%
Rank 405 of 755
Efficiency Ratio
60.95%
Rank 297 of 755
Equity / Assets
13.51%
Rank 172 of 755
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.72% | 1.06% | 1.45% | Beats 61% | 291 / 755 | |
| Return on Equity | 9.01% | 6.66% | 10.44% | 13.61% | Beats 41% | 446 / 755 | |
| Net Interest Margin | 3.60% | 3.15% | 3.68% | 4.17% | Beats 46% | 405 / 755 | |
| Efficiency Ratio | 60.95% | 55.75% | 64.78% | 75.61% | Beats 61% | 297 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.05% | Beats 79% | 162 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 38% | 464 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.56% | 13.81% | 17.74% | Beats 63% | 279 / 755 | |
| Total Risk-Based Capital Ratio | 15.30% | 11.72% | 14.46% | 18.53% | Beats 57% | 322 / 755 | |
| Equity / Assets | 13.51% | 8.93% | 10.56% | 13.13% | Beats 77% | 172 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 61.79% | 62.43% | 78.62% | 91.00% | 24th pctl | 574 / 755 | |
| Loans / Assets | 52.95% | 54.70% | 67.27% | 76.55% | 22nd pctl | 587 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |