EXCHANGE BANK

SANTA ROSA, CA | Large | Est. May 1, 1890, midnight | FDIC #8468 | RSSD #507068 | FDIC
Latest Report: 2025-12-31

EXCHANGE BANK is aln large FDIC-insured commercial bank headquartered in SANTA ROSA, CA, established in May 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.9B. Profitability stands at 1.06% ROA and 10.31% ROE, with a net interest margin of 3.16%. The bank's CET1 capital ratio is 18.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.92% and a Texas Ratio of 4.17%. FDIC Certificate #8468.

Assets

$3.3B

Deposits

$2.9B

Loans

$1.7B

Equity

$347M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 10.31%
Net Interest Margin (NIM) 3.16%
Yield on Assets 4.39%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.92%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.17%
NPA Ratio 0.48%
ACL / Loans 1.96%

Capital & Liquidity

CET1 Ratio 18.46%
Tier 1 Capital 18.46%
Total Capital Ratio 19.71%
Leverage Ratio 11.86%
Loan-to-Deposit 60.21%

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