Side-by-side · Q2 2026 data
The Exchange Bank of Alabama vs First National Bank
Metric by metric
| Measure | The Exchange Bank of Alabama | First National Bank |
|---|---|---|
| TellerScore | 91 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 82 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 96th | 100th |
| Total assets | $392.5M | $372.7M |
| Deposits / shares | $336.4M | $305.5M |
| Capital ratio | 15.30% | 18.99% (stronger) |
| Problem loans | 0.04% (stronger) | 0.25% |
| Net charge-offs | 0.04% (stronger) | 0.30% |
| Return on assets | 1.21% | 2.51% (stronger) |
| Loans ÷ deposits | 61.0% | 47.4% (stronger) |
| Uninsured deposits | 30.3% | 21.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
First National Bank has the higher TellerScore (97 vs 91). On the 7 directional measures above (where higher or lower is clearly better), The Exchange Bank of Alabama leads on 2 and First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.