Bank Comparison
First Secure Bank and Trust CO. vs Exchange Bank of Alabama, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| CET1 Ratio | 14.22% | — |
| Tier 1 Capital Ratio | 14.22% | — |
| Total Capital Ratio | 15.46% | — |
| Tier 1 Leverage Ratio | 11.60% | 14.97% |
| Equity / Assets | 10.18% | 13.00% |
Profitability
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.14% |
| Return on Equity (ROE) | 5.76% | 9.00% |
| Net Interest Margin (NIM) | 3.84% | 3.73% |
| Yield on Earning Assets | 6.15% | 4.77% |
| Cost of Funds | 2.19% | 1.20% |
Asset quality
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| Texas Ratio | 42.02% | 0.02% |
| Non-Performing Loan Ratio | 2.85% | 0.00% |
| Non-Performing Asset Ratio | 2.07% | 0.00% |
| Net Charge-Off Ratio | -0.03% | 0.05% |
| ACL / Loans | 1.20% | 1.28% |
Balance sheet
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| Total Assets | $395,368K | $395,319K |
| Total Deposits | $314,437K | $340,899K |
| Total Loans | $287,081K | $205,141K |
| Total Equity | $40,238K | $51,375K |
| Net Income (quarter) | $576 | $1,159K |
Liquidity & funding
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| Loan-to-Deposit Ratio | 91.30% | 60.18% |
| Core Deposit Ratio | 87.16% | 89.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Secure Bank and Trust CO. | Exchange Bank of Alabama, the |
|---|---|---|
| Headquarters City | PALOS HILLS | ALTOONA |
| Headquarters State | IL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 39 | 68 |
| Established | Oct. 21, 1977, midnight | March 20, 1913, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Secure Bank and Trust CO. profile | View full Exchange Bank of Alabama, the profile | Browse all bank comparisons