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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Altoona, AL · FDIC certificate #54
EXCHANGE BANK OF ALABAMA is an FDIC-insured institution based in Altoona, AL (FDIC certificate #54). In its Q3 2026 Call Report it reported total assets of $386M, total deposits of $333M and net loans of $206M. Its primary federal regulator is FDIC.
Plain-language readout
EXCHANGE BANK OF ALABAMA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $395M in Q1 2026 and were lowest at $386M in Q3 2026.
Total deposits were highest at $341M in Q1 2026 and lowest at $333M in Q3 2026.
Over the whole period total assets fell 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $386M | $333M | $206M | 1.24% | 9.42% | 3.94% |
| Q2 2026 | $393M | $336M | $205M | 1.21% | 9.18% | 3.88% |
| Q1 2026 | $395M | $341M | $203M | 1.18% | 9.00% | 3.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.0M | $21.5M | -$5.6M | -25.8% |
| Federal funds sold | $11.9M | $15.1M | -$3.1M | -20.8% |
| Securities purchased under agreements to resell | $17.7M | $17.5M | +$180K | +1.0% |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $126.8M | $123.6M | +$3.3M | +2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $205.2M | $202.5M | +$2.7M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.3M | $3.3M | -$27K | -0.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $980K | $974K | +$6K | +0.6% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.6M | $10.8M | -$197K | -1.8% |
| Total assets | $392.5M | $395.3M | -$2.8M | -0.7% |
| Liabilities | ||||
| Total deposits | $336.4M | $340.9M | -$4.5M | -1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.2M | $2.2M | $0K | 0.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $910K | $845K | +$65K | +7.7% |
| Total liabilities | $339.5M | $343.9M | -$4.4M | -1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $6.4M | $6.4M | $0K | 0.0% |
| Retained earnings | $55.6M | $54.5M | +$1.1M | +2.1% |
| Accumulated other comprehensive income | -$9.0M | -$9.5M | +$533K | +5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $53.0M | $51.4M | +$1.7M | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $92K | $13K | +$79K | +607.7% |
| Adjusted nonperforming assets | $92K | $13K | +$79K | +607.7% |
| Tangible equity plus allowance | $55.7M | $54.0M | +$1.7M | +3.1% |
| Texas ratio (gross) | 0.17% | 0.02% | +0.14 pts | See points |
| Texas ratio (adjusted) | 0.17% | 0.02% | +0.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 15.30% | 14.97% | +0.33 pts | See points |
| Construction and land loans to total capital | 14.20% | 24.50% | -10.30 pts | See points |
| Commercial real estate to total capital | 88.70% | 86.33% | +2.37 pts | See points |
| Dividend payout, year to date | 17.04% | 25.88% | -8.84 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.57% | -21.12% | +1.54 pts | See points |
| Liquidity | ||||
| Core deposits | $298.4M | $304.5M | -$6.1M | -2.0% |
| Non-core funding | $40.2M | $38.6M | +$1.6M | +4.1% |
| Loans to core deposits | 69.66% | 67.38% | +2.28 pts | See points |
| Loans to deposits | 61.79% | 60.18% | +1.61 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 60.06% | 62.59% | -2.52 pts | See points |
| Loans pledged, share of loans | 3.44% | 3.74% | -0.30 pts | See points |
| Volatile liabilities | $40.2M | $38.6M | +$1.6M | +4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $3.1M | $1.5M | +$1.6M | +102.7% |
| Earnings before provision, single quarter | $1.6M | $1.5M | +$42K | +2.7% |
| Provision for credit losses, year to date | $100K | $70K | +$30K | +42.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.40% | 6.32% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.09% | 2.77% | +0.33 pts | See points |
| Total interest income to average assets | 4.67% | 4.58% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.79% | 0.79% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.42% | 0.39% | +0.02 pts | See points |
| Cost of time deposits | 3.42% | 3.34% | +0.08 pts | See points |
| Total interest expense to average assets | 1.06% | 1.01% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $386M | $333M | $206M | 1.24% | 9.42% | 3.94% |
| 2026-06-30 | $393M | $336M | $205M | 1.21% | 9.18% | 3.88% |
| 2026-03-31 | $395M | $341M | $203M | 1.18% | 9.00% | 3.86% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $335.5M | 0.24% | 54 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.