Exchange Bank of Alabama
Altoona, Alabama · FDIC Cert #54
Exchange Bank of Alabama is an FDIC-insured bank (Certificate #54) with $374M in total assets and $328M in total deposits as of the Q2 2024 Call Report. Headquartered in Altoona, Alabama, the bank maintains a Tier 1 capital ratio of 24.02% (Well-Capitalized) and a nonperforming loan ratio of 0.27%. BankHealthData assigns a composite Health Grade of A (95/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Exchange Bank of Alabama (FDIC cert 54) is a community bank — $374M in total assets, $328M in deposits, serving the Altoona, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.02% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.27% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 35.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.20% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Exchange Bank of Alabama carries a composite BankHealth grade of A (95/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Exchange Bank of Alabama
- Total Assets
- $374M
- Total Deposits
- $328M
- Tier 1 Capital Ratio
- 24.02%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.27%
- Liquidity Ratio
- 35.91%
- Return on Assets
- 1.20%
- Headquarters
- Altoona, Alabama
- FDIC Certificate
- #54
- Health Grade
- A (95/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Exchange Bank of Alabama holds a Tier 1 capital ratio of 24.02%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Exchange Bank of Alabama has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Exchange Bank of Alabama shows strong financial health indicators. With $374M in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Exchange Bank of Alabama Compares
Exchange Bank of Alabama’s Health Score of 95 is 29 points above the Alabama state average of 66 across 78 FDIC-insured banks. Its 24.02% Tier 1 capital ratio is 10.0 points above the US banking industry average near 14%. The 0.27% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.20% is in line with or above the national ROA benchmark of ~1.1%. Among 1556 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Exchange Bank of Alabama is 25 points above the portfolio average of 70.
Frequently Asked Questions
Exchange Bank of Alabama has a Bank Health Score of A (95/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.02%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Exchange Bank of Alabama's Tier 1 capital ratio of 24.02% and nonperforming loan ratio of 0.27% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Exchange Bank of Alabama is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #54). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Exchange Bank of Alabama holds $374M in total assets and $328M in total deposits. It is headquartered in Altoona, Alabama (FDIC Certificate #54).
Exchange Bank of Alabama has a Tier 1 capital ratio of 24.02%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.27%, and the return on assets is 1.20%.
Yes. Exchange Bank of Alabama is FDIC-insured (Certificate #54). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Exchange Bank of Alabama's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.