Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange Bank of Santa Rosa, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.44% | -0.55% | 23rd bottom |
| ROAE | 8.27% | 12.51% | -4.24% | 21st bottom |
| Net Interest Margin | 3.27% | 3.84% | -0.57% | 25th below |
| Efficiency Ratio | 66.91% | 58.86% | +8.05% | 27th below |
| PPNR / Avg Assets | 1.21% | 1.78% | -0.57% | 23rd bottom |
| Yield on Earning Assets | 4.38% | 5.72% | -1.34% | 5th bottom |
| Cost of Funds | 1.17% | 2.03% | -0.86% | 91st top |
| Net Interest Spread | 2.70% | 3.18% | -0.48% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 0.96% | -0.11% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.75% | -0.13% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.31% | -0.28% | 48th below |
| ACL / Total Loans | 1.73% | 1.25% | +0.48% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 204.00% | 699.39% | -495.39% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.09% | 7.16% | -2.07% | 49th below |
| Provision / NCO | 22.09% | 815.58% | -793.49% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.98% | 17.40% | +1.58% | 89th top |
| Tier 1 Ratio | 18.98% | 17.44% | +1.54% | 89th top |
| Total Capital Ratio | 20.23% | 18.50% | +1.73% | 89th top |
| Leverage Ratio | 12.64% | 11.59% | +1.05% | 82nd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.16% | 11.33% | -0.17% | 62nd above |
| TCE / Tangible Assets | 11.16% | 10.65% | +0.51% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.79% | 86.38% | -22.59% | 91st top |
| Core Deposit Ratio | 93.80% | 85.55% | +8.25% | 78th top |
| Uninsured Deposit Ratio | 25.88% | 32.72% | -6.84% | 69th above |
| Wholesale Funding Ratio | 1.45% | 5.46% | -4.01% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.62% | 10.47% | -13.09% | 7th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.31% | 7.99% | -0.68% | 60th above |
| Deposit Growth (Y/Y) | -4.21% | 7.99% | -12.20% | 6th bottom |
See Exchange Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Exchange Bank profile, how to read a UBPR, or how this data updates.