Exchange Bank

BankSanta Rosa, California
www.exchangebank.com

Total Assets

$3.3B

Total Deposits

$2.9B

Branches

21

Established

1890

TFS Health Grade

$
C-

70.5 / 100

Average financial health

How we grade

Exchange Bank is a bank headquartered in Santa Rosa, California, established in 1890. With $3.3B in total assets and 21 branch locations, it has a TFS Financial Health Grade of C- (70.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.86%(8%)
Total Capital Ratio
19.71%(10%)
Non-Performing Loan Ratio
0.92%

Profitability

Return on Assets (ROA)
0.91%(1%)
Return on Equity (ROE)
9.50%(10%)
Net Interest Margin
2.98%
Efficiency Ratio
66.86%(60%)

Lending & Liquidity

Total Loans
$1.7B
Loan-to-Deposit Ratio
59.04%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+0.14%
Deposit Growth (YoY)
+1.52%
Net Income
$30.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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