Exchange Bank of Alabama, The
Altoona, AL · Cert 54 · Peer group: banks under $1B in assets (n=581-629) · 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 81% of banks under $1B in assets (rank 112 of 581).
- Widest gap: net charge-offs / loans trails 62% of banks under $1B in assets (rank 359 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.22%
Rank 229 of 629
Net Interest Margin
3.60%
Rank 289 of 629
Efficiency Ratio
60.95%
Rank 192 of 629
Equity / Assets
13.51%
Rank 167 of 629
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 70% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 64% | 229 / 629 | |
| Return on Equity | 9.01% | 5.38% | 9.30% | 13.28% | Beats 47% | 333 / 629 | |
| Net Interest Margin | 3.60% | 3.03% | 3.54% | 4.05% | Beats 54% | 289 / 629 | |
| Efficiency Ratio | 60.95% | 58.35% | 67.79% | 79.08% | Beats 70% | 192 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 81% | 112 / 581 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 359 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.24% | 13.84% | 18.77% | Beats 62% | 238 / 629 | |
| Total Risk-Based Capital Ratio | 15.30% | 11.58% | 14.43% | 19.66% | Beats 56% | 278 / 629 | |
| Equity / Assets | 13.51% | 9.09% | 10.65% | 13.80% | Beats 73% | 167 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 61.79% | 67.24% | 80.90% | 93.48% | 20th pctl | 478 / 594 | |
| Loans / Assets | 52.95% | 53.31% | 67.71% | 78.15% | 24th pctl | 477 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |