The Exchange Bank of Alabama

The Exchange Bank of Alabama is a currently active commercial lending specialization banking institution headquartered in Altoona, Alabama. Established in 03/10/1909, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The Exchange Bank of Alabama manages $395.3M in total assets and holds $340.9M in customer deposits. When evaluating the stability of The Exchange Bank of Alabama, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.00%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.18%, while its Return on Equity (ROE) sits at 9.00%. These robust metrics contribute to an overall health score of 9.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.