TellerScore

Headquartered in Altoona, Alabama, The Exchange Bank of Alabama is a state-chartered bank with $392.5M in total assets and $336.4M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1909.

The Exchange Bank of Alabama has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 5th. Capital cushion contributes the most (100/100, 15.30%); earnings contributes the least (69/100, 1.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.30%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 61.0% · 30.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (88 → 91), mostly because the earnings component improved by 9 points.

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202485
Q1 202586
Q2 202588
Q3 202589
Q4 202590
Q1 202691
Q2 202691
Tier 1 leverage ratio
5.00%10.15%15.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.99%
Q3 202414.18%
Q4 202414.20%
Q1 202514.36%
Q2 202514.55%
Q3 202514.69%
Q4 202514.88%
Q1 202614.97%
Q2 202615.30%
Noncurrent loans
0.00%0.14%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.26%
Q4 20240.17%
Q1 20250.16%
Q2 20250.00%
Q3 20250.02%
Q4 20250.03%
Q1 20260.01%
Q2 20260.04%
Return on assets
0.87%1.04%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.96%
Q4 20241.01%
Q1 20250.87%
Q2 20251.01%
Q3 20251.11%
Q4 20251.17%
Q1 20261.18%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$392.5M15.30%0.04%1.21%61.0%
Q1 202691$395.3M14.97%0.01%1.18%59.4%
Q4 202590$392.1M14.88%0.03%1.17%59.3%
Q3 202589$387.7M14.69%0.02%1.11%59.0%
Q2 202588$385.8M14.55%0.00%1.01%57.6%
Q1 202586$376.6M14.36%0.16%0.87%58.8%
Q4 202485$382.2M14.20%0.17%1.01%61.1%
Q3 202484$373.8M14.18%0.26%0.96%62.3%
Q2 202483$373.9M13.99%0.27%0.91%60.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.30%
88th
Total risk-based capital0.00%
24th
Problem loans0.04%
80th
Net charge-offs0.04%
31st
Return on assets1.21%
48th
Net interest margin3.88%
47th
Efficiency ratio60.9%
54th
Loans to deposits61.0%
82nd
Uninsured deposits30.3%
27th
Loan-loss reserves1.27%
58th
Texas ratio0.2%
84th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Independent BankBank Opp, AL87 out of 100, Very strong$395.3M13.6%0.08%vs
Pinnacle BankBank Jasper, AL76 out of 100, Strong$384.5M11.3%0.02%vs
First Citizens BankBank Luverne, AL87 out of 100, Very strong$402.6M14.3%0.76%vs
First National BankBank Hamilton, AL97 out of 100, Very strong$372.7M19.0%0.25%vs
State Bank & TrustBank Winfield, AL63 out of 100, Moderate$413.0M9.0%0.51%vs
Premier Bank of the SouthBank Cullman, AL72 out of 100, Strong$370.6M9.4%0.00%vs

Deposit insurance

Is my money safe at The Exchange Bank of Alabama?

Yes. The Exchange Bank of Alabama is an FDIC-insured institution (FDIC certificate #54). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.3% of deposits ($102.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Exchange Bank of Alabama lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Exchange Bank of Alabama reported 62 home-loan applications under HMDA (LEI 549300OPZE52Y4J4QP25): 51 originated ($18,345,000 total), 10 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Exchange Bank of Alabama
Former names
First State Bank of Altoona
Type
State-chartered bank
FDIC certificate #
54
RSSD ID
672537
Primary regulator
FDIC
Holding company
Gadsden Corp the
Established
March 10, 1909
Headquarters
7170 6th Ave, Altoona, AL 35952
Employees
68

Quick answers

The Exchange Bank of Alabama: common questions

Is The Exchange Bank of Alabama FDIC insured?

Yes. The Exchange Bank of Alabama is an FDIC-insured institution (FDIC certificate #54). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Exchange Bank of Alabama's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Exchange Bank of Alabama ever failed?

There is no failure record for FDIC certificate #54 in the FDIC failed bank list.

How many branches does The Exchange Bank of Alabama have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
First Bank of BoazBank Boaz, AL88 out of 100, Very strong$239.8M19.7%0.05%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Liberty BankBank Geraldine, AL81 out of 100, Strong$258.6M11.3%0.15%vs
Metro BankBank Pell City, AL80 out of 100, Strong$1.2B14.7%1.18%vs
Solutions Plus BankBank Albertville, AL79 out of 100, Strong$43.9M56.7%0.00%vs