EXCHANGE BANK OF ALABAMA
ALTOONA, ALABAMA · FDIC Cert #54
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.
Frequently Asked Questions
EXCHANGE BANK OF ALABAMA has a Bank Health Score of A (95/100). 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.
EXCHANGE BANK OF ALABAMA holds $374M in total assets and $328M in total deposits. It is located in ALTOONA, ALABAMA (FDIC Certificate #54).
EXCHANGE BANK OF ALABAMA has a Tier 1 capital ratio of 24.02%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.