BlastPoint's Banking Scorecard
The Exchange Bank of Alabama
Altoona, AL
5 branches across AL
The Exchange Bank of Alabama has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.71% above tier average
- + Efficiency Ratio 3.99% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.3M
+5.0% YoY
+0.8% QoQ
|
+$9.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$202.5M
+5.2% YoY
+1.5% QoQ
|
-$53.2M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$340.9M
+4.1% YoY
+1.3% QoQ
|
+$12.9M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.18%
+34.9% YoY
+0.9% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.86%
+11.4% YoY
+3.5% QoQ
|
-0.07% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
61.30%
-10.8% YoY
-0.5% QoQ
|
-3.99% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.01%
-96.1% YoY
-75.8% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Top 13.1% in tier |
| Loan-to-Deposit Ratio ? |
59.41%
+1.0% YoY
+0.2% QoQ
|
-17.23% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
38.73%
-2.9% YoY
-9.3% QoQ
|
+16.71% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-96.1% YoY
-75.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Top 12.0% in tier |
| Tier 1 Capital Ratio ? |
14.97%
+4.2% YoY
+0.6% QoQ
|
-0.86% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.09%
+4.5% YoY
-79.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
45% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.