Exchange Bank (Santa Rosa, CA)
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Data as of · sourced from FFIEC call reports. How we update
Exchange Bank is an FDIC-insured commercial bank headquartered in Santa Rosa, CA, established in 1890 (FDIC certificate 8468), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.19B, down 2.6% from Q2 2025, the 32nd largest of 113 banks headquartered in California. Its CET1 capital ratio was 18.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8468
- Headquarters
- Santa Rosa, CA
- Established
- 1890
- Total assets, Q2 2026
- $3.19B
- Assets vs Q2 2025
- -2.6%
- CET1 ratio, Q2 2026
- 18.98%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 121101985
- Holding company
- FRANK P. DOYLE TRUST, ARTICLE IX
- Asset rank in state
- 32nd of 113 in California
Exchange Bank, based in Santa Rosa, California, reported $3.2 billion in assets at June 30, 2026, down 2.6% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 4.2% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 7.3% and deposits fell 4.2%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.32% a year earlier. Profitability lags: it returns 8.3% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Exchange Bank reported a CET1 capital ratio of 18.98%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 3.73%. The figures come from its call report filed with the FFIEC.
Exchange Bank ranks as the 32nd largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $3.19B, loans rose 0.6% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 39.9% of total loans, ahead of 1-4 family residential loans at 23.8%. The FDIC Summary of Deposits lists 19 offices for it, in 12 cities in CA; its Santa Rosa 7 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Exchange Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 545 4th St, Santa Rosa, CA 95401
- County
- Sonoma
- Metro Area
- Santa Rosa-Petaluma, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 1, 1890
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 354
- Domestic deposits
- $2.75B
- Allowance for credit losses
- $30.3M
- Net charge-offs (YTD)
- $4.5M
- Average total assets
- $3.27B
- Average total loans
- $1.73B
- Average interest-bearing deposits
- $1.94B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8468
- Fed RSSD
- 507068
- Website
- www.exchangebank.com →
- Parent Holding Company
- FRANK P. DOYLE TRUST, ARTICLE IX (RSSD 1025998)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Exchange Bank's total assets moved between a low of $3.19B (Q2 2026) and a high of $3.41B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.19B total assets against $3.27B; $2.83B total liabilities against $2.95B.
$1.72B net loans and leases against $1.60B; $2.75B total deposits against $2.87B.
$1.13B securities against $1.30B; $119.6M cash and balances due against $160.0M.
$32.5M total interest income against $32.0M; $8.3M total interest expense against $9.5M.
$24.2M net interest income against $22.5M.
$6.2M total noninterest income against $6.6M; $20.6M total noninterest expense against $19.7M.
$100K provision for credit losses against $0.
$7.3M net income against $7.0M.
0.89% return on assets against 0.84%; 3.27% net interest margin against 2.87%.
18.98% CET1 capital ratio against 18.58%; 12.64% tier 1 leverage ratio against 11.67%.
Inside the full Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Exchange Bank rankings
Its closest position to the top of a national ranking is 395 of 4,196, for total assets; its furthest is 2,729 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 1.03% (Q4 2025) and its net interest margin ran from 2.44% (Q3 2024) to 3.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.98% | 0.89% | 0.55% | 3.73% | 3.27% |
| Q1 2026 | 18.70% | 0.91% | 0.86% | 3.93% | 3.25% |
| Q4 2025 | 18.46% | 1.03% | 0.92% | 4.17% | 3.10% |
| Q3 2025 | 18.20% | 1.02% | 0.17% | 0.77% | 3.07% |
| Q2 2025 | 18.58% | 0.84% | 0.32% | 1.50% | 2.87% |
| Q1 2025 | 18.55% | 0.67% | 0.75% | 3.61% | 2.65% |
| Q4 2024 | 17.93% | 1.02% | 0.69% | 3.53% | 2.53% |
| Q3 2024 | 18.17% | 0.57% | 0.37% | 1.79% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Exchange Bank (main office) | Santa Rosa , CA | 95401 | $353.7M |
| Reinking Branch | Santa Rosa , CA | 95405 | $297.0M |
| Coddingtown Branch | Santa Rosa , CA | 95403 | $237.0M |
| Sebastopol Branch | Sebastopol , CA | 95472 | $211.2M |
| Rohnert Park Branch | Rohnert Park , CA | 94928 | $200.1M |
| Petaluma West Branch | Petaluma , CA | 94952 | $190.9M |
| Windsor Branch | Windsor , CA | 95492 | $178.3M |
| Healdsburg Branch | Healdsburg , CA | 95448 | $175.4M |
| Larkfield Branch | Santa Rosa , CA | 95403 | $157.2M |
| St. Francis Branch | Santa Rosa , CA | 95409 | $137.9M |
| Sonoma Branch | Sonoma , CA | 95476 | $136.9M |
| Petaluma East Branch | Petaluma , CA | 94954 | $126.2M |
| Stony Point Branch | Santa Rosa , CA | 95401 | $92.9M |
| Cotati Branch | Cotati , CA | 94931 | $84.9M |
| Cloverdale Branch | Cloverdale , CA | 95425 | $69.3M |
| Dutton Branch | Santa Rosa , CA | 95407 | $63.2M |
| Roseville Branch | Roseville , CA | 95661 | $35.9M |
| Exchange Bank Trust and Investments - Marin Office Branch | San Rafael , CA | 94903 | $2.4M |
| Los Altos Trust and Investment Management Branch | Los Altos , CA | 94022 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CA, rank 52 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 67 applications, 35 loans originated, $49.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $8.8M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Exchange Bank
What are Exchange Bank's total assets?
As of the Q2 2026 filing, Exchange Bank reported total assets of $3.19 billion in its FFIEC call report.
Where is Exchange Bank headquartered?
It is headquartered in Santa Rosa, CA, United States.
When was Exchange Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Exchange Bank?
Exchange Bank's primary federal regulator is the FDIC.
What is Exchange Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Exchange Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Exchange Bank's Texas Ratio?
Its Texas Ratio is 3.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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