The Exchange Bank of Alabama
Altoona, AL
IDRSSD: 672537
Total Assets
$392.14M
Latest filing
Total Deposits
$336.58M
Latest filing
Net Interest Margin
3.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Exchange Bank of Alabama
7170 6th Ave
Altoona, AL 35952
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/10/1909FDIC Certificate 35
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Exchange Bank of Alabama (Main) | 7170 6th Ave | Altoona, AL |
| GADSDEN BRANCH | 230 N 3rd St | Gadsden, AL |
| RAINBOW CITY BRANCH | 3003 Rainbow Dr | Rainbow City, AL |
| NOCCALULA VILLAGE BRANCH | 1321 Noccalula Rd | Gadsden, AL |
| ATTALLA BRANCH | 923 Cleveland Ave | Attalla, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/10/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35952 |
| State and County Number | 01055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Gadsden, AL |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.exba.com |
| Data Updated | 01/30/2026 |
| CERT | 54 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $392.14M |
| Total Deposits | $336.58M |
| Total Liabilities | $340.47M |
| Total Equity Capital | $51.67M |
| Net Income | $1.31M |
| Net Loans and Leases | $199.55M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $3.32M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $336.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 10.39% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 57.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.177% |
| Earning Assets to total Assets | 95.78% |
Income and Expense
| Total Interest Income | $4.75M |
| Total Noninterest Income | $405.00k |
| Total Interest Expense | $1.08M |
| Total Noninterest Expense | $2.34M |
| Net Interest Income | $3.66M |
| Pre-tax Net Operating Income | $1.68M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $29.18M |
| Federal Funds Purchased and Repurchased Agreement | $2.20M |
| All Other Liabilities | $1.69M |
| Total Liabilities and Capital | $392.14M |
Securities
| Securities | $125.44M |
| Available-for-sale debt securities | $125.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Exchange Bank of Alabama?
$392.14M as of the latest filing.
How much are The Exchange Bank of Alabama's total deposits?
$336.58M in total deposits.
Where is The Exchange Bank of Alabama located?
Altoona, AL.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
5.
When was it established?
03/10/1909.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$199.55M (latest filing).
What is the total interest income (latest filing)?
$4.75M.