The Exchange Bank of Alabama: how it compares with its peers
Against 41 AL banks with half to twice its assets, The Exchange Bank of Alabama's strongest measure in Q2 2026 is return on assets (1.21% vs. a 1.11% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.5M).
| Measure | The Exchange Bank of Alabama | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.11% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 4.14% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.95% | 63.69% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.5M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.01% | 72.48% | Context |
What it means for lending operations
Its efficiency ratio of 60.95% is better than the 63.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Southern Independent Bank Opp, AL · $395M
- Pinnacle Bank Jasper, AL · $385M
- First Citizens Bank Luverne, AL · $403M
- First National Bank Hamilton, AL · $373M
- State Bank & Trust Winfield, AL · $413M
- Premier Bank of the South Cullman, AL · $371M
Questions about The Exchange Bank of Alabama
How big is The Exchange Bank of Alabama?
The Exchange Bank of Alabama, established in 1909, is headquartered in Altoona, AL. It reported $393M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Exchange Bank of Alabama's return on assets?
1.21% annualized in Q2 2026, against a 1.11% median for 41 AL banks with half to twice its assets, ahead of 61% of them.
What is The Exchange Bank of Alabama's efficiency ratio?
60.95% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 63.69%, and lower is better.
Is The Exchange Bank of Alabama growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.