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The Exchange Bank Of Alabama
Altoona, AL · FDIC Certificate #54 · Chartered 03/1
Total assets
$392.54M
Total deposits
$336.40M
Total equity
$53.03M
Net loans
$205.22M
Branches (offices)
5
Net income (YTD)
$2.39M
Rank: #2,091 of 4,213 U.S. banks by assets · #39 of 93 in Alabama. Assets changed 1.7% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 9.18% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 13.51% |
| Tier 1 leverage ratio | 15.30% |
| Uninsured deposits (share of deposits) | 30.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 61.0% |
| Real estate loans (share of loans) | 90.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $185.48M | 90.4% | |
| Commercial & industrial | $12.13M | 5.9% | |
| Consumer / individual | $8.65M | 4.2% | |
| Construction & development | $9.18M | 4.5% | |
| Agricultural | $1.04M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $378.33M | $337.12M | $1.08M | $36.15M |
| Jun 2023 | $366.75M | $326.94M | $2.01M | $37.13M |
| Jun 2024 | $373.86M | $328.41M | $1.69M | $41.83M |
| Jun 2025 | $385.80M | $335.47M | $1.92M | $47.03M |
| Jun 2026 | $392.54M | $336.40M | $2.39M | $53.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $336.40M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $336.40M.
Similar-sized banks
Iowa State Bank ($392.88M) · Great Plains State Bank ($392.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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