The Exchange Bank of Alabama

Sixth And Blount Streets
Altoona, AL 35952

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 54
Date Established 1909
Assets $0.28 billion
Loans $0.18 billion
Deposits $0.25 billion
Capital $0.04 billion

The Exchange Bank of Alabama is an FDIC insured institution located in Altoona, AL. It was founded in 1909 and has approximately $0.28 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of The Exchange Bank of Alabama's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The Exchange Bank of Alabama’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, The Exchange Bank of Alabama has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.46
Multifamily
Mortgages
5.36
Credit Card Loans 1.03
Consumer Auto Loans 1.00
Small Business Loans 30.63
Construction and Development Loans 4.58
Commercial Real Estate 48.16
Commercial and Industrial Loans 6.24
Farm Loans 0.27

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.40% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.60% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1 $34,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Exchange Bank of Alabama

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to The Exchange Bank of Alabama
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Branches

The Exchange Bank of Alabama branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Exchange Bank of Alabama Locations

Financial Details

The Exchange Bank of Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Exchange Bank of Alabama. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Exchange Bank of Alabama U.S. Bank Average
6.29% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, The Exchange Bank of Alabama had $1,087,000 in non-current loans and $1,274,000 in owned real estate. To cover these potential losses it had $35,335,000 in equity and $2,200,000 in loans loss reserves. That gives it a Texas Ratio of 6.29%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
The Exchange Bank of Alabama U.S. Bank Average
6.64% 8.58

The Exchange Bank of Alabama has a Return on Equity of 6.64% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Exchange Bank of Alabama U.S. Bank Average
12.4% 12.11

The Exchange Bank of Alabama has a Capitalization of 12.4% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Exchange Bank of Alabama Balance Sheet Analysis

As of June 30, 2017, The Exchange Bank of Alabama had assets of $284,918,000, loans of $178,781,000, and deposits of $246,628,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About The Exchange Bank of Alabama

Branches and Savings

Is The Exchange Bank of Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #54.

Why does The Exchange Bank of Alabama pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Exchange Bank of Alabama CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Exchange Bank of Alabama a commercial bank?

Yes

Where are The Exchange Bank of Alabama locations?

See branch locations nearby.

Is The Exchange Bank of Alabama open on Saturdays?

Is The Exchange Bank of Alabama open on Sundays?

What time does The Exchange Bank of Alabama open?

What time does The Exchange Bank of Alabama close?

Are The Exchange Bank of Alabama ATMs Open 24/7?

Do The Exchange Bank of Alabama ATMs accept cash deposits?

Can The Exchange Bank of Alabama customers use other ATMs?

Do The Exchange Bank of Alabama branches have notaries?

Will The Exchange Bank of Alabama notarize my document?

What address for The Exchange Bank of Alabama should I put for incoming ACH transfers?

Will the The Exchange Bank of Alabama branch print checks?

Do The Exchange Bank of Alabama checks expire?

Does The Exchange Bank of Alabama require US citizenship to open account?

Can The Exchange Bank of Alabama close my account?

Does The Exchange Bank of Alabama Report to credit bureaus?

Does The Exchange Bank of Alabama Use Equifax?

What is The Exchange Bank of Alabama's ACH Routing Number?

What is The Exchange Bank of Alabama's SWIFT code?

Products

Does The Exchange Bank of Alabama offer mortgages?

Compare mortgage rates here.

Does The Exchange Bank of Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Exchange Bank of Alabama offer personal loans?

Compare personal loan rates here.

Does The Exchange Bank of Alabama offer student loans?

Will The Exchange Bank of Alabama cash a check?

Will The Exchange Bank of Alabama redeem a savings bond?

Does The Exchange Bank of Alabama cash savings bonds?

Will The Exchange Bank of Alabama cash money orders?

Can The Exchange Bank of Alabama issue a money order?

Does The Exchange Bank of Alabama do currency exchange?

Background on The Bank

Who owns The Exchange Bank of Alabama?

How long has The Exchange Bank of Alabama been around?

Can The Exchange Bank of Alabama transfer to other banks?

Does The Exchange Bank of Alabama have quick pay?

Does The Exchange Bank of Alabama accept rolled coins?

Will The Exchange Bank of Alabama accept loose change?

Where is The Exchange Bank of Alabama headquarters?

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