Is Exchange Bank of Alabama Safe?
Exchange Bank of Alabama has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (68/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.02% | 100/100 |
| Nonperforming Loan Ratio | 0.27% | 95/100 |
| Liquidity Ratio | 35.91% | 100/100 |
| Return on Assets | 1.20% | 68/100 |
| Total Assets | $0.4B | |
How does Exchange Bank of Alabama compare?
With a Bank Health Score of 95/100, Exchange Bank of Alabama sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, Exchange Bank of Alabama ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 24.02% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.27% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Exchange Bank of Alabama's Bank Health Score fell by 3.0 points to 95/100. Tier 1 capital strengthened by 0.26 percentage points to 24.02%. Quarter-over-quarter, the score fell by 2.0 points.
Exchange Bank of Alabama has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (68/100).