BlastPoint

BlastPoint's Banking Scorecard

The Exchange Bank of Alabama

$100M-$1B Specialty: Commercial AL FDIC cert 54

Altoona, AL

5 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +0.3% year over year ($336.4M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 1.21%.
  • Efficiency ratio 60.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

The Exchange Bank of Alabama has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 4.9% in tier
  • + Non-Interest-Bearing Deposit Share 17.33% above tier average
  • + Efficiency Ratio 3.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.6% in tier
  • - Credit Risk Growth: Bottom 20.3% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.11% below tier average
Get updates when The Exchange Bank of Alabama releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $392.5M
+1.7% YoY -0.7% QoQ
+$6.0M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $205.2M
+6.2% YoY +1.3% QoQ
-$53.1M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $336.4M
+0.3% YoY -1.3% QoQ
+$9.7M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.21%
+20.6% YoY +3.1% QoQ
-0.11% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.88%
+8.5% YoY +0.5% QoQ
-0.11% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 60.95%
-5.8% YoY -0.6% QoQ
-3.53% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.04%
+598.4% QoQ
-0.87% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 61.01%
+5.9% YoY +2.7% QoQ
-16.95% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 39.36%
-2.4% YoY +1.6% QoQ
+17.33% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 5.3% in tier
Nonperforming Asset Ratio ? 0.02%
+612.7% QoQ
-0.65% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 15.30%
+5.1% YoY +2.2% QoQ
-0.61% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.18%
-14.4% YoY +103.1% QoQ
-0.39% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 39.4%
-1.0pp YoY
+0.6pp QoQ
 +17.2pp 22.1% 24.0% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 5.9%
+1.4pp YoY
-0.4pp QoQ
 -5.6pp 11.6% 16.9% 12.5% 25%
CRE 54.6%
-0.8pp YoY
+0.3pp QoQ
 +15.1pp 39.5% 43.5% 41.4% 77%
1-4 Family 35.1%
+0.2pp YoY
+0.2pp QoQ
 +2.5pp 32.6% 30.6% 31.3% 62%
Consumer 4.2%
-0.3pp YoY
-0.1pp QoQ
 +0.1pp 4.1% 5.7% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 15.3%
+0.7pp YoY
+0.3pp QoQ
 +3.1pp 12.2% 13.2% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 68
-2 (-2.9%) YoY
0 QoQ
 +9 58 304 482 69%
Assets per Employee ($) $5.8M
+4.7% YoY
-0.7% QoQ
 -$1.7M $7.5M $6.9M $8.8M 29%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 37%
Nonaccrual n/a n/a 0.9% 1.2% 1.0% n/a
Allowance Coverage 28.59x
-94.4% YoY
-85.8% QoQ
 +4.43x 24.15x 7.50x 20.23x 91%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 9.2%
+0.7pp YoY
+0.2pp QoQ
 -3.0pp 12.2% 10.0% 11.6% 32%
Cost of Funds (YTD) 1.1%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $2.4M
+24.3% YoY
— QoQ
 -$167K $2.6M $17.2M $40.4M 60%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#33 of 659 • Top 4.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#109 of 1256 • Bottom 8.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#191 of 936 • Bottom 20.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

140
Non-Interest-Bearing Deposit Share
funding
Value: 39.36%
Peer Median: 22.03%
#140 of 2643 Top 5.3% in $100M-$1B
445
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#445 of 2643 Top 16.8% in $100M-$1B
489
Loan-to-Deposit Ratio
liquidity
Value: 61.01%
Peer Median: 77.95%
#489 of 2643 Top 18.5% in $100M-$1B
524
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#524 of 2633 Top 19.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026