BanksEXCHANGE BANK

EXCHANGE BANK

SANTA ROSA, CALargeEst. May 1, 1890, midnightFDIC #8468RSSD #507068FDIC
Latest · 2025-12-31

EXCHANGE BANK is an 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%. CET1 capital ratio: 18.46%, well above regulatory minimums. NPL ratio: 0.92% · Texas Ratio: 4.17%. Operates 19 domestic branches.

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 Margin3.16%
Yield on Assets4.39%
Cost of Funds1.28%

Asset Quality

NPL Ratio0.92%
Net Charge-Off Ratio0.03%
Texas Ratio4.17%
NPA Ratio0.48%
ACL / Loans1.96%

Capital & Liquidity

CET1 Ratio18.46%
Tier 1 Capital18.46%
Total Capital Ratio19.71%
Leverage Ratio11.86%
Loan-to-Deposit60.21%

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