EXCHANGE BANK OF ALABAMA, THE

ALTOONA, AL | Small | Est. March 10, 1909, midnight | FDIC #54 | RSSD #672537 | FDIC
Latest Report: 2025-12-31

EXCHANGE BANK OF ALABAMA, THE is asn small FDIC-insured commercial bank headquartered in ALTOONA, AL, established in March 10, 1909, midnight. As of 2025-12-31, the bank reported total assets of $392M and total deposits of $337M. Profitability stands at 1.35% ROA and 10.39% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 13.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #54.

Assets

$392M

Deposits

$337M

Loans

$202M

Equity

$52M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 10.39%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.29%
Cost of Funds 1.29%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 13.18%
Tier 1 Capital 13.18%
Total Capital Ratio 13.84%
Leverage Ratio 14.88%
Loan-to-Deposit 60.05%

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