🏦Bank Scorer

THE EXCHANGE BANK OF ALABAMA

ALTOONA, AL · Supervised by FDIC

Est. 1909FDIC #54RSSD: FDIC-54
Part ofGADSDEN CORP THE→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

7170 6th Ave, ALTOONA, AL

County

Etowah County

Established

March 10, 1909

Total Assets

$395M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$395M

Total Deposits

$341M

Net Loans

$203M

Net Income

$1M

ROA

1.18%

ROE

9.00%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.93%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$335M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245687.5%8.93%
20235877.59%13.79%
20228185.19%12.35%
20218490.48%7.14%
20208172.84%16.05%
20197098.57%1.43%
20187192.96%4.23%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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