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
Unfavorable gap of $8.3M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.72% | 1.07% | 1.45% | Beats 61% | 296 / 752 | | |
| Return on Equity | 9.01% | 6.78% | 10.58% | 13.65% | Beats 40% | 449 / 752 | | |
| Net Interest Margin | 3.60% | 3.18% | 3.69% | 4.17% | Beats 45% | 410 / 752 | | |
| Efficiency Ratio | 60.95% | 55.75% | 64.49% | 75.47% | Beats 60% | 301 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.03% | Beats 79% | 160 / 748 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 38% | 463 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.55% | 13.75% | 17.60% | Beats 64% | 273 / 752 | | |
| Total Risk-Based Capital Ratio | 15.30% | 11.70% | 14.33% | 18.47% | Beats 58% | 318 / 752 | | |
| Equity / Assets | 13.51% | 8.93% | 10.56% | 13.13% | Beats 77% | 171 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.79% | 62.23% | 78.64% | 91.26% | 24th pctl | 568 / 752 | | |
| Loans / Assets | 52.95% | 54.61% | 67.41% | 76.47% | 23rd pctl | 582 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |