BlastPoint's Banking Scorecard
The Exchange Bank of Alabama
Micro
Specialty: Commercial
AL
FDIC cert 54
Designations: ✓ Community bank
Altoona, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The Exchange Bank of Alabama demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.32% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.1M
+2.6% YoY
+1.1% QoQ
|
+$174.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$199.5M
-2.6% YoY
+0.9% QoQ
|
+$60.4M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$336.6M
+0.5% YoY
+0.5% QoQ
|
+$152.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.17%
+15.8% YoY
+5.5% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.73%
+6.2% YoY
+1.8% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
61.58%
-4.8% YoY
-2.3% QoQ
|
-6.15% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.03%
-84.3% YoY
+28.1% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
59.29%
-3.0% YoY
+0.4% QoQ
|
-15.24% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
42.71%
+122.2% YoY
+7.2% QoQ
|
+20.32% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-85.1% YoY
+27.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-1.5% YoY
+30.7% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.71%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.71% · Tier avg: 22.39%
88
88th pctile
Total Deposits
Current: $336.6M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
74
74th pctile
Total Loans
Current: $199.5M · Tier avg: $139.2M
62
62th pctile
Efficiency Ratio
Current: 61.58% · Tier avg: 67.73%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.29% · Tier avg: 74.53%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.29% · Tier avg: 74.53%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
62
62th pctile
Efficiency Ratio
Current: 61.58% · Tier avg: 67.73%
74
74th pctile
Total Loans
Current: $199.5M · Tier avg: $139.2M
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $336.6M · Tier avg: $183.7M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.71% · Tier avg: 22.39%